First of all, life is in fact passing all of us by. It was here before us, it continues after us.
But that is not what you mean. The issue is not that it is passing you by. The issue is your self admitted cowardice. It makes you feel useless and ineffective which in turn makes your time in this world seem like a waste. Assuming the problem is not reconcilable (I will infer that you believe that it is not) then there is no sense engaging in foolish self-sacrifice.
It is the sense of futility that gives you the impression that life is passing you by. Soldiers will fight desperately and bravely. But if their position is clearly untenable, it is best to move to different ground.
I don’t know what you think you deserve, but certainly we are all entitled to try to achieve happiness.
So, in my opinion, you should do that.