You can't learn to surf without getting in the water. You can't learn to participate in the new world of career and reputation management, if you don't dive in and try stuff. No matter how much you think you can't, shouldn't, won't, don't need to etc. -- you do need to.
In the old work world, our benefits were defined: pensions, vacation, job descriptions, duties. In the new work world, it's all about your contribution. No one is going to look out for you; you need to look out for yourself.
For small business people; everyday is still a hustle. The complicating factors are the speed and complexity of change. If we want to survive, however, we will adapt. But for those of us who worked in "Corporate America", big salaries, big egos, big benefits... the world is almost completely different than it was 10 years ago.
I got hired into Eastman Kodak in 1980. At the time, there was no place in Rochester, NY that I could work where I could make anywhere near the money. In a company town, once you into a place like Kodak... you stayed.. whether you contributed or not. If you played the game well.. you got ahead. If not, you just languished but... you kept receiving the benefits of an employer who dominated the market and had ridiculously large margins.
One of my favorite writers, Thomas Friedman, explains this whirlwind transition in plain English in his article, It's a 401(k) World. If you're under 30... you may want to read it to put the older generation's dilemma in perspective. If you over 30, read it and then act. Figure out what to do. If your head is spinning, it should be. Hang in there, we're all in this together.