Do you really need a high end camera to enjoy shooting? I don't think so. I have shot more photos with my iPhone than with my DSLR, simply because my iPhone is always with me. I still yearn for more equipment of course, but the lack of it would not stop me from enjoying photography.
So if you truly enjoy photography, maybe you can stop finding excuses and just go out and shoot! You never know what you are going to get until you step out to find out. I've always told myself, "Never blame your surroundings for the lack of a subject, blame yourself for not finding one."
This mantra works for me, and I hope it will for you too.