The Hero Myth

I think we're all waiting for someone to show up and tell us that we're destined for greater things. According to Joseph Campbell, the basic hero myth starts off with the hero longing to do or be something else. But doesn't everyone reach an age or a point in their lives where they wish there were more? Or that they were living an almost entirely different life? Or maybe feel that there is something else they're destined for?
Maybe that's what the hero myth really does: provides us a story that we can relate to, and feel like we get sympathy, compassion, and self-motivation from it. In essence, it's telling us "You're not alone! This happened to someone else! This is that person's story ..."
So where do we find our mentor? Our change agent? Where is our Obi-Wan to lead us from Tatooine? Our Jack Sparrow to bungle us forward? Our coachman to show us death, poverty, and infermity? Our Morpheus to provide us with a red pill? Are we to provide our own impetus for change instead? What about the catalyst which occurs that jars the hero from the grooved path and throws him onto a path of trials and tribulations which will lead him to his destiny? Are we to create that as well? Is that what these stories are for? What happens when there is no mentor? No change? No trials? No destiny?
What happens when the hero has no story?