Being blocked on writing that one is obligated to do is something we don't usually think about the way we think about being blocked on creative projects.
The question underneath your question is: "Am I allowed as a commercial writer to do the thing I want to do as an artist?"
That's all any words are: a method of communication. You can always make more words if you need to communicate with a new audience or in a new way.
We're swimming in the narrative conceit that what makes extraordinary characters interesting is their extraordinariness and what makes protagonists interesting is that they're protagonists.
Lots of things happen that characters don't know about, or only hear about. That's part of life, and is perfectly fine to include in fiction. Instead of trying to fix it, have your characters react to it.
If you still want to write even after you let go of any feelings of being obligated to write, take some time to think about why. Are there ways to access those motivations and keep them in the front of your mind so you can gain some satisfaction and joy from them?
Today is the fifth Tuesday of the month, which means that my answer to this heartfelt letter is available exclusively to my Patreon patrons.
Let go of any inclination you have to identify with your work and interpret critiques of your work as critiques of you. Critiques of your work are critiques of your work. Your job is to use them to make your future work better.
As we face difficult times as creators of art, we will face a lot of pressure from different sides, and from within ourselves.
You ask for the bones of plot, but it sounds like you already have those: start, middle, end, some drama. What you need are the muscles and tendons of plot, the pull and thrust and tension that turns a skeleton into something that moves and breathes.