I already don’t have to worry much about money or people’s opinions; my husband is the breadwinner, and my family and friends are supportive of almost anything I do. But you leave out something important: responsibility. I have two kids depending on me. Maybe I could put them both in all-day school and daycare with enough money. But they would be miserable without me while I was off doing whatever I wanted. And I don’t want that.
The way this prompt is worded, it seems to assume that every responsibility can be taken care of with enough money, or ignored with enough social approval. But we don’t just care about people’s opinions; we care about their well-being. If your reason for not doing something is “It would hurt the people I love”, that’s a good reason. I already have to check myself for how much I let my son take care of himself just so I can get more “me time”. It’s a tightrope walk between meeting my own needs (so I can be a better parent) and being selfishly lazy.
In fact, a lot of these prompts seem to assume a relative lack of attachments and responsibilities, focused as they are on changing things about an individual life. But it’s important to remember that no individual is an island. Any changes in me will also affect the people around me, and that needs to be taken into account.