This is a very interesting discussion.
I'll say this about putting "heart" into film - yes, passion reflects in a film. If it comes from anger, depression, love, whatever the case, it can always make for a great film.
I will also say this, though - there are many great films that have absolutely nothing to say. Monty Python and the Holy Grail is a film that will be talked about for probably centuries to come, but it has no message, no deep, passionate feelings about society. Film doesn't need those things to succeed.
I also do not believe you have to put life experience into a film. A lot of people do not need to relate to films to enjoy it. Some people would be uncomfortable watching films that are too close to reality, and some people find it arrogant and insulting to think that celluloid could ever be a containment cell for human emotions.
One thing that really struck me, though:
If you like Hollywood monotony, great! There's a place for that! If you like heartfelt indie, so be it!
I think the two are not mutually exclusive. The flaw is that we see almost everything Hollywood makes, but mainly just the cream of the crop when it comes to Indie films. And if you want to discuss monotony, how many indie films are about teens going on road trips discussing existential nonsense and pop culture arguments? And how many indie films are about shy, average-looking, disillusioned guys finally finding meaning in life? Indie films are just as monotonous as Hollywood films can be; its just indie films picked a subject that doesn't get old as quickly.
That ends my pessimism.
I will say to Nervous Larry that you needn't worry. Every generation of fine art, literature, film, etcetera, always worries that things are going downhill. However, every generation turns out its own timeless piece of work. Take the 90's for example - a time full of mediocre films that nobody will remember in 10 years time, save say... Forest Gump.
There is always hope, but as you said, it is upon us to be proactive in it. I do worry about our generation as well, but people mature and mellow in time.
We'll have to put up with an avalanche of crap, but if that crap wasn't there, good films would be so less inspiring.