I see positives where you see negatives. You're young. You're debt free. You're working on becoming more self aware. These things give you time and flexibility. You're already way ahead of the curve. Nobody has certainty at 20. Find what you love to do but that also has money in it, spend 5 years becoming inspired to be the best at it that you can, then you will have stabilised yourself and be in a position weather to start a small business or remain employed by someone else.

PS