Why Don't You Live in Eretz Yisrael?

If you don't live in Eretz Yisrael, what would you answer a sincere non-Jew who asks you, "I've read in the Bible how G-d gave Israel to the Jews.  How come you don't live there?"

You can think about the question if you were asked on an individual basis and then you can think about the question if it was posed on a collective basis - how come most Jews don't live in Israel? Or, how come so many religious Jews don't live in Israel?

Answers about chinuch and parnassa seem inadequate.