The speaker argues you alone are responsible for your results and success, not banks or governments. Past hardships may have been beyond your control, but how you respond to them is entirely up to you.
Chapters
Your results and your success and your experience of life is no one else's responsibility. It's not a bank's, it's not a government's, it's not an institution's, it's not anyone's. It's yours. In the end, you're the one that has to deal with the outcomes out of it, out of the results. One of the most important traits that you can take on in any arena in life is just total unequivocal responsibility. And you know what? I know that some of you had some shit that's happened in the past. I know some things have happened which are not in your control, and it impacted you in a big way personally, financially, whatever it actually— confidence, whatever it actually was. But in the end, we deal with the consequences, and we have to step up to the plate once again and choose how we're going to respond to that.