I would like to share some of my experience, that confirm your statements.

I quit my pretty well-paid job 2 years ago because I started to realize, that working there I do not get smarter and my skillset is getting limited. I was not able to catch up the changes happening around me. Instead of learning new, I was always worried about the local pseudo-problems. I realized that current situation is much riskier than if I was not working at all, but catching up with the progress.

The risk of empty pockets realized, but I have already made the decision not to return to 9-to-5 and my passion to find the shortest way to the money was extremely strong. I was looking for the maximum returns on my efforts and finally have rented the cab and during five weeks without any rest worked as a private driver. Hard work returned me much more money than I expected and I knew, that current hard work will allow me to find better appliance for my time. It has also killed the fears 1, 2 and 3 that you mentioned. I felt satisfied, free and hungry for the new challenges...

One day I will write about what happened next.
...Now I just say that I am an entrepreneur and I do not do anything that I do not want to do.

Nuridin, thank you for inspiring us!