Why is it so hard to do what you love?

Maybe it's depression, maybe it's anxiety... but I have to wonder why is it that so few of us actually do what we want to do?  Why do we all take jobs that barely pay us instead of finding a way to make the things that we love to do...make us money.  We all sit there (well, not the "we" that actually manage to do what they love to do) sit there and bemoan our fate.  What will it take to get "us", and at this time I mean "me", off my ass and actually do it?  <sigh>  I need to do something that will not only slightly fill my wallet...but also my creativity.  I am sick and tired of feeling creatively empty.