You might want to start by thinking about personal responsibility. We have to take responsibility for our own actions, as oftentimes our situation or circumstances are dictated by those very actions. If someone were to cheat on a test, then fail after getting caught, who is at fault? Certainly not the teacher that caught that person; rather, it's the student who cheated. Likewise, if you decide that you're late for work and speed, you have only yourself to blame when the police pull you over and issue a ticket.
As you make your bed, so will you lie in it. In other words, you have to deal with the consequences you bring upon yourself. This goes back to responsibility, because the person who must deal with those consequences is directly responsible for having caused them in the first place.