Whatever way we observe the world around us is what comes back to us.
And the reason why my life, for instance is so lacking in joy and happiness and fulfillment is because my focus is lacking in those same things exactly. If we're victims, we should ask ourselves, 'Have I a victim menality?' If I'm coutinually meeting misfortunes and accidents and tragedies, maybe it's because my mentality is basically attuned to accepting that this is the way life is, and so it hapens.
Now, why can I not achieve those things? Fundamentally, through lack of focus.