Surely it's often case that life has people in this sort of scenario and there is no realistic way to a new path. In that case, sure, take care of your loved ones and yourself, stay put, and make the most of it. This scenario arises from the messy mix of circumstances and decisions. There is no blame.
But! "Change jobs if you must", must, be changed to "Change jobs if you can.", especially for younger people. It's not mature to accept an unfulfilling job. It's a life-scale bummer. Tenaciously go after fulfilling work. Don't write off 1/3 of your remaining life. An approach that worked for me: distance yourself from the profit motive. It's not that hard.