Most of us walk around in denial much of our lives. There are things we know we should do, but we are too lazy. Or they would require us getting out of our comfort zone. Or they might commit us to do more than we want to do. Or we are not sure if we will still be the same person afterwards.
Life is about changes and about taking risks - not about taking stupid risks like jumping off a cliff, but about taking personal risks that might change our character: learning a new career, kicking a bad habit, moving to a new town. But most of the time, we avoid those harmless risks.