People so terrified of change and taking risks in life. This is the main reason why people settle for less. They are stuck in a certain way of thinking and think the friends, relationships, jobs, living conditions etc... are the best possible for them at this point in their life. This simply isn't true! You cannot progress if you don't embrace change. You are simply complaining about life and drifting through life with no progress. And at the same time making excuses to justify why you haven't made the necessary changes to solve your problems.
Life is too short to settle for anything less than what you deserve which is the best. The only way to reach your maximum potential is to never settle for less. The choice is yours, do you want to settle for what you have or aim for something bigger and better. Live your life in a constant state of never settling.