days flying past me as i stand still doing nothing

i feel like my days are rolling by, and people my age are moving forward, improving,growing,maturing and experiencing. while im just standing still, shifting behind a bit actually. simply there, doing nothing. nothing memorable or productive or fulfilling. and all of it is probably all my fault. so why do i dwell in my pool of inaction? is it maybe because im just so too scared to get out of my comfort zone? i feel stuck. i dont know what to do with my life. im aware i can take action. but why cant i? i could make time feel slower if i actually tried putting effort into making my routines and life in general more novel and interesting. just a bit of effort and discpline, is really that hard?