Hit your thumb with the hammer, and it will surely hurt. Eat well and exercise, and you are likely to be healthy. Cheat on your taxes, and you will likely be prosecuted. Sir Isaac Newton stated; “For every action, there is an equal and opposite reaction.” Being in the automotive business, I hear thing like “it wasn’t meant to be . . .” or “the interest rate is not fair” or “I expect top dollar for my (beat up) trade-in.” The truth is, actions, words, and decisions have consequences.
The person who thinks that they can wait to make a decision to buy something, whether a vehicle or a roll of toilet paper: and then due to their inaction the item gets sold to someone else, then states “it wasn’t meant to be”– is flat out wrong. Their decision to wait caused the desired item to still be available for others to buy. Their indecision is the reason that they did not get the opportunity, and this indecision has nothing to do with — “meant to be.”
The person who is irresponsible financially with high credit card balances and late payments, and spending more than they make is directly responsible for their credit score and the interest rate that a bank will extend. This rate is completely fair considering the individual has proven to possibly default on payments, overextend themselves financially, and overall not be a good steward of their personal finances. The bank is required by law to treat the customer fairly based on their personal credit history, which is direct reflection of either good decisions or bad decisions from the consumer, not the bank.
When a person does not take care of their current vehicle (physical body, home, or otherwise) and allows it to be damaged, smoked in, windshield cracked, rims scuffed, maintenance neglected, excessive miles, and worth MUCH less than they owe because they rolled negative equity from a previous bad decision, their actions create the value of the car, not the person presenting the information.
We have become very comfortable not taking personal responsibility for much of anything in our current society. Personal responsibility breeds good decisions and good decisions will ultimately give birth to good results. Conversely, neglecting personal responsibility breeds poor decisions and poor decisions give birth to poor results. Actions have consequences and the only one to blame is the one looking back at us in the mirror.