The key to accepting responsibility for your life is to accept the fact that your choices, every one of them, are leading you inexorably to either success or failure, however you define those terms.
Barring extreme physical and mental disabilities, each and every one of us is where we are today -- be it poor or wealthy, happy or sad, on the streets or in a condo, in a Mercedes or a rusted-out Pinto -- because of the choices we have made during our lives. It's the choices we have made that put us where we are, not the choices others have made for us.
Luck is opportunity met by preparation - and to be prepared or unprepared is a personal choice.