Is it normal to feel old & regret at 28 years old?

is this normal?
I’ve often felt that at 28 yrs old now, I feel like I’ve missed so many opportunities & things that i could’ve done..

ever since I’ve graduated at year 2003, i’ve went back to my home country, and basically stayed ‘stuck’ working in a family business factory.
now i’ve always known (& many people who’ve known me well told me) that i’m very artistic-inclined, creative, carefree, warm, and light-spirited kind of guy, which is often mistaken for a “childlike” attitude.
I’ve just got bored to get ‘trapped’ in a box, and i shiver at the thoughts of how much time i’ve wasted in those 7 years.
I am a dreamer type also, and the bad thing is, I often only dreamt too much about it, for 7 years..

many (if not all) people told me that i’m very unusually talented in music, and also have high passion in music.
i always dream to want to just play music, be in a band, and share my music that i’ve wrote/composed to the whole world.
but what i HATE most about myself is: somehow, I often hear more of those people that said “stop dreaming, you’re already OLD, at 28 yrs old, have to start get married, have a stable job with good income, run a business, have kids, etc” , and hence.. I just often felt quite depressed, thinking that i’m already old!

I even despise myself sometimes, because I do KNOW what i want to do, ie: be a musician/songwriter, and share my music to the world, but the FEAR inside me, and also the REGRETS and the thoughts that “it’s probably all too late for me, at 28 yrs old!” , those are all what often stopping me from writing, composing music. and I often just got even more depressed, nothings gets done, going to a job that I know I hate/not good at, being ‘stuck’ even more..

I have dreams of wanting to form an indie band, making & sharing fresh, quality & inspiring music, then just go spread the music & play live gigs, and if possible, go travel & explore this vast world,..but again, I’m so afraid that those ‘cynical/pragmatist’ people are probably right that “I’m already too old, and have to start thinking about being SERIOUS, get REAL job, start taking responsibilities, etc etc”

so what do u all think?
do you think that 28 yrs old is already too old, especially for me, to “go back” and just do those things that I unfortunatelly have only spent my time dreaming about ‘em, but lack actions & focus?
or, is it still not too late/old?
thanks!