A common denominator for every unfulfilled agenda is an excuse. Excuses, which are reasons or explanations to defend or justify an action (or inaction), aren't necessarily bad things. The morality attributed to an excuse is dependent on the justifiability of the excuse. The justifiability of an excuse is also dependent on the standards(which are particularly subjective) to which the excuse is weighed on.  The question to ponder on is are the excuses we give ourselves valid for you. Yes they may be understandable, but are they reason enough according to the standards you've placed on yourself.