Not happening. Every action and decision you make or don't results in a consequence. Cause and effect. These consequences aren't always obvious, negative, or noticeable right away but if you look far enough back on your life you will probably see how your choices snowballed to where you are now.

Some people think they are tragic characters living some Shakespearean tragedy where all the bad things happen to them are just the universe/fate giving them a bad hand. This choice to be nihilistic determinist leads to self fulfilling prophecies where they make no effort to improve their life.

Some people think they they are the masters of their own destiny and that despite there being bad parts of the world that are unfair they do the best they can to find success anyways and not throw a never ending self pity party. These people tend to get farther in life and are much more satisfied.

These differences in philosophies are indeed a personal choice everyone subconsciously makes. Whether to be the captain of the boat that is your life and steer it to the destination you want or to be a helpless passenger pushed by the oceans waves adrift until you crash.

A person in an abusive relationship chooses not to leave it through inaction. despite how much they think they have no choice because of X reasons. A severely overweight person who blames their genes and makes no effort to try and loose it. An unhappy married couple who want to divorce but convince themselves not to 'for the kids' so they live a decade or two of an unhappy existence subjecting their children to second hand misery when the better option for the kids long term wellbeing was to indeed split. There are consequences to hard decisions, sometimes its not even a right or wrong decision. The pieces just fall where they lay.

Not doing something to change the trajectory of your life is also a choice whether you want to recognize it as one or not. Its the choice of inaction that you justify to yourself.

The problem is that nobody wants to be at fault when things go wrong. Its much easier to scape goat blame to fate and all of life's unfortunate circumstances. When you do point the finger at yourself for at least some of it you gain much more control over the direction of your life.