I feel the same way, actually I don't really know why, no one has ever been able to explain it to me (let alone help me). Perhaps we're just afraid that things will get worse than they are now, in one way or another. Anxiety might also have something to do with it. I don't know if you have depression, but some depressed people don't really have the energy to make big changes.. in a "what's the point?" kind of way.

Sorry you're struggling