I feel like that's the kind of quote that sounds like really good advice but in reality only applies to a very specific group of people.
Take me, for instance. I write mostly high-stakes fantasy and sci-fi, so no mundane 'adventure' I might go on (even if I had money) would come anywhere close to the stuff I write about.
And my personality simply isn't well-suited to romantic/social adventures. I just...don't do things. I don't make jokes, I don't have fun with others, I don't do any of the things that you'd actually want to read about a character doing. Mostly all I do is think. And I can do that at home. WITH my pen in my hand.