Challenges

We need challenges.  All of us.  If you don't challenge yourself, you're just going to sit in the living room and watch TV.  You'll go to work and come back from work and just do the same-old same-old.  Though my dad is, in my opinion, overly fond of routines (and routines can be used to great effect), there has to also be a time for ADVENTURE!
But the time for ADVENTURE can't be scheduled in (I think my dad once said that he blocked in time to do other stuff during his day.  Never understood how this worked, but okay).  Bilbo wasn't expecting a bunch of dwarves and a wizard to come into his house and say, "Hey, we need your help.  Come with us to fight this dragon and see some elves and get some treasure and stuff!"
Though some may argue that there is always a time for an adventure, and you CAN block stuff into your day - as part of a team-building thing that was scheduled, the entire freshman class split into groups and did a ropes course, which was certainly an adventure - you can't go fight dragons if you just sit there and do nothing.  You can't opt out of the ropes course.
You need to do the ropes course.
You need to listen when someone says, "Hey, we need your help!"  Not only is it a nice thing to do, it also might lead you to dragons, elves, and treasure.  And sometimes you have to forget, or ignore, or spite the fact that when you come back, most of the Shire is going to think you're really, really weird.  But weirdos are not to be overlooked - sometimes they're wizards.  The Disturbers of the Peace probably have cooler stories than a lot of other people, and for sure have cooler stories than the people who just sat on their couch and didn't let a swarm of dwarves into their kitchen.

So, basically, for any good character to have a well and true ADVENTURE, they need to push their comfort zone and do stuff most people think is odd, unacceptable, or stupid.  Like letting a bunch of dwarves into your house.  Like climbing 30-foot poles and jumping off them, even if you have a harness on.  The whole concept of pushing one's comfort zone in an ADVENTURE works better, and prompts character development, if even THEY think what they're doing is odd, unacceptable, or stupid.
Like that one kid in The Dawn Treader.

So, both in your writing and in your life, challenge yourself.  That's the only sure-fire route to an adventure.
And if you don't want an adventure, feel free to troll blogs all day.  I'm sure someone will come down on you at some point and catapult you into an adventure.