So I have just read through this thread, which opens with ‘I don’t want to get a job in the field I am studying / I would rather stay in school b/c I like school’ and closes with ‘I have finally found my real passion in environmental science’, stopping by ‘I want to collect field samples’ on the way.
I saw a couple of mentions of environment- health links, but don’t remember seeing a reason why Environmental Policy wouldn’t be an obvious marrying of actual credentials with an interest in the environment.
So, consider an entirely different path: as an example, take a look at George Mason’s PhD in Environmental Science and Public Policy. They do require biology and chemistry- but you can come in without it and take it as additional credits (and vice-versa for students who come in with science but not public policy). Instead of spending a couple of years making contacts and taking classes, etc. you finish your current MA, and get a policy analyst job in an environmental organization and prepare to apply for a PhD program with some actual sense of what kind of work you want to do and what kinds of jobs a PhD will get you.
I will also gently say out loud something that has been hinted at by several posters (including the OP): getting a PhD as a way of postponing entry into the workaday world is well-trod path, but is not a strategy.
In practice, you need to either already love your subject or have a really, really strong reason to get the degree for the PhD process to be successful: it is a long, tough road. You want to be really sure that you actually like doing field research before you commit yourself to it. Trust me, the fun goes out of collecting, labeling and analyzing samples pretty quickly!
Mastering out, or ending up ABD is painful. I know- the dissertation is the part you anticipate liking the most, but doing primary research has special challenges all its own, and bringing home a successful research question & answer is not a slam dunk. And, sometimes, your project collapses for reasons beyond your control (ask the PhD candidates whose research was being funded by the EPA, when a change of administration brought in a new team who cut the funding).
ps, re: your anecdote of a friend going from a BS in finance to a PhD in physics- that took more than making friends with a prof. 100% that person had taken basic physics, plus Thermo, Mechanics, E M, Quantum and probably Optics, plus a couple layers of math (calc, linear algebra). That is pretty standardized across the US… Be wary of taking such stories at face value.