Well mass gets converted into energy only in those situations (relatively) and it doesn't happen in our day to day life.
Strange as this may seem your statement is incorrect.
In "our day to day life" what we do not notice is the very small changes in the mass of a system which is occurring all the time.
One important reaction in the Sun is the proton–proton chain reaction during which four protons are converted to a Helium-4 nucleus with the loss of $0.7\%$ of the mass of the original protons.
This mass has been converted into energy, in the form of gamma rays and neutrinos released during each of the individual reactions. The total energy yield of one whole chain is $ \approx 4\times 10^{-12} \,J$.
A spring of mass $100\,\rm g$ which is stretched and stores $1\,\rm J$ of elastic potential energy increases in mass by approximately $10^{-14}\,\rm g$ which represents $10^{-14}\%$ of the mass of the spring, a change which cannot be measured.
So it is all down to a matter of scale. In nuclear Physics the changes in masses are significant when compared with the masses of the constituent particles whereas in "our day to day life" the changes in mass are insignificant compared with the system under consideration.
As to why all the mass cannot always be converted into energy that is how it is. For example there seems to be a law which dictates that the number of large particles (eg protons, neutrons etc which are collectively called baryons) has to stay constant. This means that a proton (baryon number =1) cannot spontaneously become energy. However a neutron (baryon number = 1) can dewcay into a proton (baryon number = 1) with the release of energy as the mass of a neutron is greater than the mass of a proton. However a proton (baryon number =1) together with an antiproton (baryon number =-1) can end up as energy. Note that you cannot create or destroy charge so an electron cannot just become all energy as the law of conservation of charge would be violated.