The answer, in my opinion, is they settle because it's too uncomfortable to reach for their dreams. OR they do not believe in themselves enough to try.
In fantasy land I can be anything, do anything, have anything. My focus in 2015 is freedom, therefore I am "fantasizing freedom". For you it could be anything.
I am a lot of things, not all of them good. Then again not all of them bad. One thing I know about myself is I am courageous. I don't know where it comes from, other than the way God created me. I am grateful and thankful for the gift. It has afforded me the gumption to change the status quo.
In my lifetime I've been a defiant child who went before a judge for emancipation from my parents at 17. Got married that same year. Stayed that way these past 39 years. Been a daughter, wife, mother, grandmother, sister and friend. A dental assistant, secretary, administrative assistant, certified personal trainer, fat, thin, fit, sick, achieved two degrees, published articles in magazines and a compilation of stories in "Surviving Ophelia", now work as a Physical Therapist Assistant which I love. Been a caregiver to my mother, my partner and my children. Travelled alone and liked it. I've faced my demons and challenged them.
So many times I've been "the strong one". Leaned on, never leaning. Realized I am not all that strong really. My strength comes from a sound faith in a loving, giving God and in the life He's given me. I certainly can do all things through Christ who strengthens me. My part is to believe I can.
What you truly believe about yourself is certainly the truth. Whether you believe you can or cannot, you're correct. What have you got to lose in trying to have better, be better, do better than the status quo?
What is it that revs your engine? Take a stab at it. Take that first step, the rest will follow. I learned in PTA school that gait is simply a series of controlled falls. Step out and if you fall, fall on your foot and take another step. Someday soon, you'll wake up at your destination and smile.