It makes a lot of sense, to me. The internet is full of "How do I lose weight", take "Ask Reddit", it's at least once a month that there's a "People who lost weight, how did you do it?" Come on! You know how they did it, they adjusted their eating habits and started exercising.
That just not the answer people want, they want to hear stuff like: "I eat half a lemon every two days" or "I stuffed a peeled potato up my butt to absorb nutrients slowly through the day".
Some advice is ignored because people don't like the answer, right as it may be.
Homeownership (or a more city-oriented construct), civic impact, career growth, retirement, family planning, marriage, growing a business, investment, becoming a grantee, doing 10 pullups, you name it.
I suppose for me, it's finding some sort of meaning in life - it's been rather elusive, and makes it hard to care about any of those; though I can do ten pullups.
For me, goals and meaning are less an innate property, but things that are built over time as the result of positive feedback from direction and momentum. I didn't start with them, but as I try things, my identity changes to hold a goal more deeply.
An analogy is a rock at the top of the mountain. It doesn't have much direction but maybe vague sense that it could be nice to go somewhere and do something. If it moves around a little, it starts to be pulled in a direction, ever so slightly. The Further it goes, the characteristics of the rock change, pulling it more, and repeating the process.
Somehow the nihilism always creeps in - the older I get the less I seem to be able to believe in anything, as the evidence accumulates that no one else does either. I suppose I'm one of those smart people who the OP suggested has pissed it all away, but I never really got what it was I was supposed to be doing.
It doesn't feel like a blank check. You still gotta get up and go to work every day to pay the bills and then do whatever chores you can muster up the will and time to take care of.
I was thinking about meaning. My understanding is that nihilism is more about a lack of higher purpose, opposed to a lack of action.
I agree that work and chores are tough if you don't have a reason to be doing them. Similarly, will and motivation also require a goal, so that would be a challenge without one.