I don't think that's true though as otherwise you wouldn't be on here wondering about life.
It's OK not to have it all figured out at 26. But, I'd say a bit of emotional maturity now would help you along.
I bummed around (have degrees, masters etc) and was on a poor waged job. An easy job and yea, it was grand. But after 2 years (28), I was bored.
I went back to what I was good at when I was younger, which was writing. And I also love teaching. So, I did a masters in instructional design, part time, over 2 years, which allowed me to work and save etc also.
In tandem, I was always waiting to meet a fella. I was in a few disastrous relationships. Now am older, I know I was waiting for that fella because he'd do everything for me...buy a house, take me on holidays, be my social crutch etc.
Anyways, by 30 I had a new job related to my masters. I worked hard. Got a few promotions. I travelled. I'd take a month off work and go to Thailand teaching monks. I realised I was responsible for my own life. Not some fella. I was going to make things happen for myself!
I made some lovely, lovely friends. I built my own house. I took up playing tennis and I travel to tournaments. I cycle my ebike.
I have an enjoyment and freedom from all those thoughts I had in my 20s. And I did it! I am confident. I take on challenges well. I grew emotionally. I grew up alot for being responsible for myself and my happiness.
So, take responsibility. Go to career guidance. Go to a life coach. Go to a councellor. Invest in yourself. Think laterally-"I can't/don't want to be in the medical field on the ground, but I am smart". I dunno-become a medical writer (paid well)!!!!
So many options and things to explore. Being looking at things from another angle.