I agree 100%. At the risk of disclosing too much personal info, here is my attempt to help you.

I'm the last guy who should give you career advice. I'm 27 and have never actually had a career. I'm what most people would call a loser. Unlike you, I was super motivated for school. I got good grades and went on to grad school. Then, like you, I lost my motivation. I just fell out of love with what I was studying and decided to give a job a try. After all, I had a degree already. How bad could it be?

Unfortunately, my BS was in one of the liberal arts, so I wasn't qualified for much besides crappy sales jobs. I spent 1.5 years going from crappy job to crappy job until I finally got fed up. I packed up and went out west for 3 months of volunteer work. When that was over I applied for a year-long AmeriCorps program.

I'm not going to say AmeriCorps changed my life, but it gave me some time to sit back and think about my life. It sounds to me like this is exactly what you could use right now. If you do decide to return to school, you'll get a small scholarship (some schools match it) after you finish your term of service.

People are on the money when they say you need a marketable skill, and it really doesn't matter how you get it. I doubt you'll find a perfect dream job like being able to ride your bike all day, but you don't have to do something you completely hate, either. Try to find a happy place somewhere in the middle- doing a job you somewhat enjoy while making enough money to enjoy your time out of work, as well.