Why do we settle for less then what we are worth?

Is it because we feel as though we do not deserve anything great?

I understand this so much because I feel as though I do this. Sometimes. I just settle. I am comfortable with how things are, if noting is broken why fix it?
But there is so much more the world can offer us. There are so many opportunities for us to succeed and find happiness.
What are we afraid of?
Change, we will always be afraid of change.

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