I think a number of posters have identified the major problems preventing many folks from practicing like they should:
1. Time, or lack thereof
2. Money, or lack thereof
3. Range rules that all but prohibit effective defensive handgun practice
As far as the esteemed posters on this forum are concerned, I don't think there is any problem here with lack of desire to hone our skills or to prepare for the worst. It's more a case of easier said than done.
One of the reasons I became a range master is so I could practice my self-defense shooting without other range masters jumping all over me. You see, I'm disabled, and depend on the use of a cane to walk. I've even been known to use a walker from time to time (nasty little motorcycle crash a few years back). I'd show up at the local range, and begin practicing self defense shooting, and because of what they perceived as my "frail condition," the range masters on duty were scared to death I'd hurt or shoot myself LOL. They still won't let me participate in their three-gun matches (which makes sense, since I can't run anyway), but I do get to shoot the pistol stage, and usually school them in the benefits of self-defense handgun practice.