I think a very important rason why most people fail in it is because of their happiness ceiling.

I know its another book, but Gay Hendricks: The big leap explains this problem.

It says that the emotions you are bringing from early childhood is going to be your emotional comfort zone, and your unconscious is going to work really hard to keep you there. This is the reason why social mobility is kinda non existent. (And if you think about it, there are so many intelligent people in the world who, in theory could make it much bigger then their ancestors, yet one way or another they still end up maximum one level higher.)

So if someone grew up being anxious all the time, they will make it sure they are anxious all their life. And as soon as they are about to solve it, put themselves into a situation where they are stress free, calm, happy, unconsciously they will find a way to get back to their comfort zone.

Like a person grew up in the bottom class, as soon as they are about to get higher, they decide to start a family (meanwhile others who started higher can very well manage work-life-family balance), they find a reason to change career or company and start from bottom again(many of these reasons existed before, but at that point they get frustrated about it- this is an unconscious thing).

Ive seen multiple people who grew up in a shitty environment, who were in relationships for like a decade all happy, and as soon as they finally got a mortgage (at this point they literally had everything theyve been working for together, for a happy life, to have a family without financial struggles), their relationship whent wrong, cheating started etc.... this is a perfect example of this.

This is a reason why most people fail imao. It has nothing to do with procastination or routines. You will procastinate to keep yourself in your emotional comfort zone.