It’s not about whose terms you’re living on, it’s about listening. Most people around us are dealing with mundane things that need fixing, just listening to people’s grievances is a great way to ideate. There are individuals who you just end up meeting through life that have great niche problems that require nothing else other than living and listening to attain them.
Going out and “pursuing” ideas often leads to some confirmation bias as we’re determined to “find” an idea, rather than sitting back and letting the lightbulb go off when you’re not actively trying.
To each their own though.