It's probably just that the choices you have and their consequences will lead to short term pain before anything will get any better.
And the problem is that taking action and going for a change will always make things worse.
Instead of better.
At least for a while.
And that's why it's so hard.
Because things usually get worse, instead of better...
But the good news is that taking action will always get you to another place.
Away from that place you don't want to be at anymore.
Now it won't get you where you want to be right away.
But it will definitely get you to another place.
And another place is always better than your current place.
You're probably not stuck.
You just have to make a choice.
And then get going and push through the consequences and the short term pain to get to another (hopefully) better place...