It's usually best to take responsibility for your own decisions and actions. Unfortunately, when you have a propensity for making bad ones, you're also more likely to not want to take responsibility for them, instead casting them off on the other people who had the misfortune of being in your immediate proverbial vicinity. Being eternally financially bound to one of these liabilities through other accountabilities is not a great situation to be in. But, as with anything in life, the best you ca…