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.
People also need to reevaluate if their dreams our their own dream or just build on notions of society's ideal life. many people think money is the answer to their problems. When perhaps money is simply a choice and other more direct paths exist. But if such dreams are authentic, I agree with you 100%.