Fear of failure. Pure and simple. Walking away from something that actually works, even if it's boringly monotonous, and trying out something that might not work, is scary stuff. It's difficult to leave a safety zone, even though the end result MIGHT be so much better, because it might NOT be so much better....so the end result is stagnation. I think it's especially hard when there's not a lot of disposable income at hand, there are young family members involved and/ or you've got a mortgage to pay along with other financial obligations. I also think the older you get the harder it is to take that leap.....for fear of falling on your face and losing all that you've worked so hard for.