Dear kaisersose,
It is not that this category is ignored by religionists. Material happiness is actually just less distress. There is no real happiness derived from material nature. When there is less stress we call that happiness. In order to understand this point, we have to be acquire higher taste. When we acquire higher taste, we realize what true happiness is. Therefore we can be situated in true happiness while being in this world.
Yes this is your time to be happy. Thinking you are happy and actually being happy are two different things. Ignorance is bliss. The true way to get happy while you are here is to get in touch with your real self. Why should one try to get happiness via temporary sources when the same amount of energy can be spent towards getting something permanent? Its true what you say about distressed people taking up spiritual practices. There are 3 other types of people who take to spiritual life as well. Namely the wise, inquisitive and in need of money. Of the four, you may come in the category of wise.
Actually, one who is self realized has no fear. It is not recommended to neglect your duty. It is recommended to do your duty without being attached to the results of your duty. This way, your duty does not become a distraction. Rather, it becomes a type of meditation.
Yes no amount of education can conquer maya. The only thing that can conquer maya is the the mercy of guru and the Lord. Every type of varna and ashram is supported by the Vedas. If you wish to be a grhasta, go for it! One only has to perform his duty no matter what ashram he may be in. The point is to always remember god and never forget him.