It's true of course that children are the handiest excuse around. But it's also true that once you start down the job-and-family highway it can be exceedingly difficult to get onto an exit. The implication here -- that if you're not pursuing some major third thing, it's because you're lazier or care less than people who (under considerably different circumstances) are pursuing that thing, is glib.
While there are ways out of this dilemma, they require more than re-sorting your todo list and cutting back on the online poker. Failing that, the default rule seems to be "Job, family, school, startup, pick two".
Personally, I realized that (a) I can't live with the idea of working at a big corp until I retire and (b) if I wish to remain married and connect with my kids (you only have 10 years!) I don't have the time to do this on the side. Given those two truths I decided to lock in our expenses (i.e. making more money doesn't help my goal if we just spend it) and switch to consulting. As a consultant I make enough that I can periodically take 6 months off to give my start up ideas another go. If the business gets some traction then maybe I can stay off longer than 6 months. And as a consultant I don't have to "quit" when it's "working sabbatical" time.
Of course this could just be due to my current project being particularly favourable, hence my interest in start-up ideas to try once it ends...
But the "free" healthcare makes it a tough decision.
Personally I wouldn't want to work in the US right now. The worker protections are practically non-existent (advantageous if you own a company but if you work for one, not so much).
Health care has always been problematic in the US but I suspect by your comment you mean that you don't like that you have to have it now. Not having insurance would be an insane level of risk to put on your family (especially when coupled with the risk of a start up). One of the bigger mistakes the US did with health care IMO was letting companies pay it for the employees. That creates a terrible lock in incentive and removes health care from the person's budget so when you do wish to try something else (e.g. a start up) you're not prepared for the sudden jump in expenses.
It's pretty common.
Besides the very honest and insightful write-up (thank you!), this last sentence is worth its weight in gold. It's too easy to make excuses for not following your goals and blame something other than your own lack of motivation/focus.