"Fuck excuses, learn to admit when you fuck up." This includes trusting the wrong people (and subjecting yourself to abuse). If you never admit you're involved, the same shit will happen to you, ad infinitum.
Each of us has such a bank, its name is time. Every morning, it credits you seconds. You must live in the present on today's deposits. Invest from it the utmost, happiness, and health. The clock is running. Make the most of today & your life.