They agree that they need to make the investment, but they just don't do it. Think of it. For most people, yes, significant change is very stressful. But stress is only a symptom of the cause of our resistance to change. The cause is fear.
People are literally afraid of change.
We can become the masters of change, if we go about planning it the right way. But before we can plan change, we need to understand why people, even we, resist change. The best analysis of change that I've ever heard was offered by Eli Goldratt, during the Fall 1995 conference sponsored by the A. Y. Goldratt Institute. Eli used a most interesting analogy to illustrate the conditions that are necessary for any one to implement significant change. Imagine that you are trapped on a riverbank, with the cutest, tail wagging, face licking, unconditionally loving friend that any man or woman ever had.