I agree, but I have also fully struggled with this all my life.
All the regrets I chalked up to my own personal failures, laziness, lack of diligence, carelessness - were always hard to forgive myself for. And every time I did it again meant more self-flagellation. Why do I never learn, etc.
Getting diagnosed with ADHD earlier this year has finally brought me some inner peace.
It's not an excuse. But gives me some compassion for my past self, given what I've had to push through.