|crusher|
You are right. Members, including me, may got overwhelmed with how many methods are here or just can't choose because they are afraid that they may have chosen wrong (unprofitable) one or one that they lack capacity (of any kind) to implement.
The reason why ... Everybody's "WHY"...
1. The obvious - making money for: survival or to improve your current financial situation, or to get extraordinary rich. (this is strongly individual and can be the both 3 in time).
2. The social and emotional reason - to feel that you are somebody who is worth it, who is valuable, who can achieve, who can succeed, who can be self confident.
3. Other things here for sure that I can't think of atm.

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Planning is very important but also is very important to have a long attention span so you don't lose track of your progress.
|Invoker|
I don't think that a situation where you are on "the edge" is a right time to take action. Then it may be even harder ...
Not everybody feels it is enough to have where to live, eat and sleep. These are basic biological needs. Comfort? No comment ... (It depends and is relevant though).
|LaLore|
You have pictured very well, at least in my opinion, what the comfort zone represents in the reality of many people but it's all negative ... What comfort zone is a bubble of negative factors? You are right but it's not logical ...

and in case a crisis is needed for action I think the reason in such a case would undoubtedly be laziness.