Great read, really liked it and I can relate (most people can I guess) to this.
The thing is that the majority of people are stepping through their comfort blankets all their lives even if they have some real dreams. So, the catch is that their fears (i.e. losing / changing job, opinion of other people etc.) are bigger than their actual dreams.
That's how they fail in achievieng their dreams. They can't even make the first step because of that.