Most people blame others or chance for what happens to them... that's very easy. The hard part is taking responsibility because it involves internal work to accept what we do. Nothing happens by chance; we cause it.
Due to family beliefs, when I was younger, I did what everyone else did: blame others. But when I really realised how responsible we are for everything, thoughts, actions... everything, that's when I was able to repair things I had done wrong. I believe that the words “thank you”, “please” and “sorry” are very important in life, and I use them.
Due to differences in thinking, I have misinterpreted something someone said to me and acted accordingly. When I realise my mistake, I apologise accordingly. I made the mistake, no one else.