In The Hobbit the protagonist, Bilbo Baggins, has a number of good reasons to not join the dwarves on a grand adventure.
His home is warm, comfortable and well stocked with food and drink.
The quest sounds dangerous, and staying home is safer.
He would have to learn new things that he never planned on having to learn, such as wielding a sword and riding a pony.
As a Hobbit, he’s not expected to go adventuring.
There’s a fire breathing dragon involved.
If he makes it back alive, he won’t be the same person he was when he left.
These are all sensible reasons to not look for treasure mountain, but Bilbo doesn’t stay home. And a marvelous adventure unfolds.
What are your reasons?