Hi beginagain,
the truth lies somewhere in between. It shows courage and it seems a good idea that you're looking for help or encouraging words from others in order to understand your situation better. Now, for what I see, you already took a decision, didn't you?
"So I'm 31, and decided to change careers".
That's the first step.
Now, 22 hours ago you might have had a bad day but hey, you already decided to change careers - so, that's all you and we and everyone needs to know. Many people with a CS degree will never start or work at a startup as well as many others with an engineer degree will never invent a new machine or technology. Many people will live and die and never have a year's salary in their savings account. It doesn't make them better or worse, some decisions you take, some others life takes for you.
But as you don't seem to be living neither in Bangladesh nor Sierra Leone, you're in the wonderful position to just give it a try. Shine a little bit, give it a try and have a look if it works out. If it does fine, if you think you have committed sincereously to it but can't find the strength to go ahead, it's okay as well.
Just do something else.
"A life spent making mistakes is not only more honorable, but more useful than a life spent doing nothing."
George Bernard Shaw
I think that we will see much more interaction of companies with consumers in a way that goes beyond advertising. Maybe some people will get used to optimise every little bit of their time and life and others will opt out, or maybe both. Service needs to be provided to both sides. I'm so curious to see how Asia, Africa and South America will develop and what Hot Asia, Africa & Middle East Startup's we will see by 2022. I also think that people will be more and more aware of what is happening in the world and they will start to say themselves more often stuff like: If the government doesn't solve it, let's crowdfund it and solve it. I don't know maybe we can crowdfund Mozambique or Ivory Coast and get a week at a beach resort for our funds?