I think partially, the market where I am, employers are quite greedy and it can be difficult to find places that have good work/environments and the higher pay. It's a bit of a tradeoff, choose one or the other. It's been getting better as more cutting edge companies have moved to the area over the years, but still, the good stuff happens elsewhere.
I tried to get career counseling before to get some help, however, they recommended I start my own business rather than continue to look for a traditional job.
I know that would be a hard road (been through several startups already). I'm not afraid of the hard work, I just have some familial limitations that make it infeasible at the moment (trying to adopt).
That said, your point is well taken, and my friends and colleagues often recommend the same. I'm not sure if I'm an optimist and keep hoping the place I'm at will recognize and reward my contribution (unlikely), or I'm some kind of work sado-masochist. Not sure!