If anything kept me awake at night (and some things have) I'd presume it was likely real trouble.
Look for groups or websites online that deal with the topics that interest you. If you can't find any with significant membership, those topics may not be worthy of exploring in book length form.
As far as "observations of life", it depends on the observations. If you find realistic observations or patterns, you can incorporate those into your book. If you plan to teach "life lessons" in your book, I think very few people are interested in that. People read fiction for entertainment, adventure, and the "life lessons" of fiction are pretty much always the same (and in large part aspirational and seldom apply to real life). The good shall prevail, crime does not pay, persevere and you will win, risk it all and you shall not be disappointed, in your darkest hour you can still find a way.
So I'm not going to tell you everything will be all right, just keep writing and hope it will work. The goal of writing fiction should be to entertain an audience, and audiences are pretty predictable. Look at what else is selling, if they don't include the kinds of things that are in your notebook (in the same quantity you hope to infuse your work with what is in your notebook) then chances are high your work will not be a commercial success.
We do like new characters, new heroes, new villains, new settings, and other original and imaginative components. But they will still, like nearly all commercial fiction, fit into the three act structure and teach the standard, well-worn, tried-and-true lessons of fiction that everybody loves to hear again and again.