Maybe it's time to realise your life is your responsibility?
When i left school i went onto a YTS scheme working in a factory. In winter I arrived at work when it was dark and left when it was dark. Sunlight was a weekend only event. Crap prospects in Maggies mid eighties UK economy, destroying the unions and freeing the market forces....
Sometimes you can't see the wood for the trees and being stuck in a rut is an easy solution. Even at the tender age of 16 the bitterness in a lot of the older guys was palpable.Even in the supervisors or managers. Same prison different uniform. It seemed that they eventually woke up from their slumber to realise this was their life and it wasn't measurably going to improve. These guys were timed served, skilled but so so bitter as whatever dreams or aspirations they once nurtured were left unfulfilled.
That for me was a massive driver, as was seeing the mining communities being torn apart and was a life changing event in economics and politics. I resolved then never to put myself in that position. So far, 30 years later i never have.
Many people will sleep walk through life, miss opportunities and decide to stick in the same rut until something better comes along. In most cases nothing better comes along. Add a partner, family, mortgage and the all the other stuff and it's even harder to break the cycle.
You need to live life outside your comfort zone. Yes it's scary but realise and understand why scars you. Me, I'm scared of failure and it's a great driver fear. Understand who you are and apply yourself accordingly.
Everyone has a different perception of risk, measure and mitigate risk by all means but everything you do carries risk. It's personal to each of us what is acceptable.
Best Wishes on your journey.
btw i won't wish you luck as one of the few things to wind me up is when someone comments " oh your so lucky to do/have" Yep the harder I work the luckier I am. Strange that.