The beauty of groundhog day is what we can accomplish when we have unlimited time and no real responsibilities

People overemphasize the "time loop trap" piece but seem to overlook the fact that he eventually uses the time to better himself in almost every way. He's a much better, much more enriched and happy person by the end.

Groundhog day was perhaps the wrong phrase to use. In any case I don't believe people would spontaneously attempt meaningful self-improvement with any seriousness if there was no expected finality to our existence. Don't forget, Bill Murray's character has to kill himself numerous times before he makes any kind of worthwhile progress.

Another way of looking at it is that Bill Murray's character learns over and over that there are no consequences to failure.

The biggest thing holding people back imo is fear of failure, fear of consequences.

If your dream is starting a business but if it fails you'll be broke, it's understandable if you're hesitant

Fear of failure cripples people because setbacks are so costly. Many people never attempt anything because they are afraid they will fail. Or more accurately because they cannot afford to fail

It's nice that a fictional character in a fictional scenario could come to such an understanding, but in real life there absolutely are consequences to failure, in a multitude of ways.

If you mean it in the sense that 'ultimately, nothing really matters', then the subtext to that is that nothing ultimately matters because we all die in the end. Which would be completely negated by immortality.