I don't believe it's different. "Circumstance" in this context means the choices of other people. The stability of your patents relationship, financial or emotional. The support you received from your teachers and professors. The professional advice you received, and your access to people capable of giving professional advice. Your ability to get and keep a job to save money for capital, or your ability to get a loan for capital. The list goes on an on, and none of that takes away from the work that you've done to achieve your goals. There have probably been hundreds of times in your life where someone could have made a different choice that would have set you on a different path than you're on now, made your life more difficult, or easier.
So you argue that there is no personal accountability?