Indeed.
From what I have seen in people, it's the X factor. Meaning, they are afraid of losing their identity. I can understand that. For, a middle-aged wo/man, being told repeatedly that they could change their life if only they changed their perspective, a bit, still refuse to.
So, they do know what to do (they are being told by many, including you and me), yet they fear the consequences.
I am thinking now to myself, reading your comment and writing my reply, that I should emphasize more that on the path to Realization one does not negate the human personality or destroys it. They only allow broader consciousness to come in, to be next to the human. The human experiences, the master collects wisdom, in a feast of life.