You already know what it feels like... pretty much the same as you describe in the game world.
Stop battling orcs for a while, and start going after the real world monsters (i.e. your fears) to get the same results IRL. RPGs are boring compared to real life because the risks aren't realistic enough. It's just pretend risk.
As you might expect, it's a lot more fun to wield a level 50 human being than it is to play with a level 5 human character.
Learn to master the RPG of real life... if you think you're a good enough player.
I think you'd enjoy this article:
Life – The Ultimate Game