Some people just like to mock people who can get off their arse and make it happen.
Unfortunately most people fall on their arse at some point and often the higher they go with their ill considered climb the further and harder they fall.
I said earlier that you had already made up your mind. Your last response makes me wonder why you bothered to ask the question in the first place. You have clearly been given some answers you dont like. That last reply also begs the question as to whether you have the right mental attitude to navigate yourself through some really challenging times, both financial and personal.