It is often easier to understand and accept the concept of one hundred percent personal responsibility when you apply it to your observations of the lives of others...
Most of you know of someone, who, if they only took advantage of the opportunities that came their way, would easily have a different, better life. At times you can observe these people and be confounded as to why they choose not to make simple adjustments which would bring enhancement and fulfilment to their lives. You can observe this happening over and over again, you can see what could be done. You might speculate as to why it is not more obvious to the person themselves. You may even verbalise your observations - all to no avail...