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Whatever you do don’t turn on networking...
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I know exactly how you feel. I have had that question come up and was stumped for an answer other than the obvious, what you said, we need to buy food and pay mortgage, etc.
I’ve always approached this question as a way to tie the role back to 1) my experience, and 2) how it would help me grow as a professional. You could also use this as a chance to show that you actually researched the company and how you could contribute to its stated goals/mission statement/etc.
Rising Star
I usually quickly look at the company's website before an interview so I know a bit what the company does and tie the answer back to a recent update on the website. Most places have a "News" or "About Us" section that is like a cheat sheet for me.