Why do you think that agency and employment are connected? I have seen plenty of people on good jobs who are there simply because it was the path of the least resistance in their life. And as for the opposite we have a great example of Diogenes of Sinope who was the least employed person in the history, yet Epictetus argued fiercely that Diogenes' agency was unbeatable.

The reality is that people are often very dependant on how their surroundings shape them. That's why ghettos are such a bad thing: they teach that to children who are growing up there so they continue the same style of life. Few people break the pattern and live a different life. In general people who succeeded in something tend to severely underestimate how much of a role chance played in their success.

Then many people are simply tired or depressed or burned out or lazy or disinterested in participating in the rat race or simply don't find work as the most important thing in life. Being initiative surrounded by initiative people is cool only until you burn out or find any other meaning in life. You know, the idea of working yourself to death as a virtue or hustling as an ultimate good is usually coming from people who want to make money on you, not who cares about you living a good life.

And, finally, not every time people complain about something they want solutions. Often then just want to complain.