I'd argue all of those are often issues of how we perceive circumstances vs what actually is going on. There are real situations that crowd out this sort of thing, but they don't apply to everyone (having people that need care comes to mind or crunches at work).

Jung has a great quote to the effect of, "we don't solve our problems, but rather outgrow them." Life is going to feel like mostly-imperfect circumstances for any venture, and your brain can be too good at rationalizing any [lack of] behavior.