Some of the failure here is due to "personal problems"-- aspects of personality that get in the way of a person pursuing authentic community. But the larger issue is surely a lack of vision: if one doesn't understand (or hasn't even heard) this part of Christianity, then it's less likely to be pursued. Another large issue is busyness-- or to be more precise, distorted priorities. I could do it easily enough-- lacking the problems you note-- but simply choose not to make the investment, given my perceptions of this and other opportunities.
This is also something of a barometer for whether one is a Christian or not. In fielding questions about the justice of Heaven and Hell, it's common to observe that if one doesn't want to be near to God now, why would one want to do a more concentrated version of that for eternity. In this context, if you don't want to be involved with the Church and the church today, are you sure that you're set up to do that in Heaven?