Comfort charges a subscription fee. You just don’t notice until you check what you’ve missed.

Staying where things are easy does not feel like paying for anything, which is exactly what makes it expensive. The cost comes out in small amounts: the club you did not join, the person you did not talk to, the skill that would be two years old by now. No single withdrawal is noticeable, and the total only appears when you look back.

Once in a while, add it up. What have you not done this year because it would have been uncomfortable. You do not have to change everything. Pick one line off that list and cancel it.