OP I can relate because I am in a similar position as you. I am currently in my second year of EE grad school and shortly after entering my first semester, I realized I really didn't like it that much, although not entirely for the same reasons you are describing. My degree + living stipend is entirely paid for by the university, although I have a job as a TA. I just rationalized it like this - it's only a 2 year program for the MS, you will make more and have more opportunities coming out, and they are paying you to do it. There's really no reason not to finish.
As for the PhD, you should think long and hard before deciding to go down that route. That could be 3+ years of wasted work if you decide that research isn't your thing.
As for the PhD, you should think long and hard before deciding to go down that route. That could be 3+ years of wasted work if you decide that research isn't your thing.