That is a bit of an easy answer sometimes though. I mean, I wouldn't call it an 'excuse' to not travel, because my boyfriend can't come. What would you have me do? Leave him at home because of his job while I travel the world, because I don't currently have one? Make him give up any and every security he has by quiting his?

An 'excuse' sounds like it's something you can easily work around. Like some nonsense reason you give for not going out of your comfort zone. I would call this a solid reason, just like money sometimes actually is a solid reason (can't travel when you're deep in debt an on government pay, atleast not in my country).

You're right that sometimes people come up with crappy excuses though and when they have enough to go around, it's just a priority of what you spend your money on. Want a big, luxurious car, or you want to see the world? It just isn't always as simple as that and calling everything an excuse, instead of acknowledging it as a good reason seems too simple to me.