Devil's Advocate, but -
I don't know how much faith I put in accountability. I've seen a LOT of people work hard in life. Yet I've only ever seen a few people get anywhere.
You could say that it's not enough to work hard - you have to work hard at the right stuff. Working hard at the wrong stuff won't help. But, can they work hard at the right stuff though? Or do they not have the capacity?
Most of the people I've seen who are in a good position, were always that way. They didn't have to change their bodies, interests, personalities, etc. - they were just naturally the "right" kind of person. Growing up, I never saw people become strong, smart, good-looking, funny, good at this or that thing etc. - you were either born that way or you weren't. People didn't change much from one year to the next.
It's always made me question personal responsibility/accountability. I feel like it might make things a LITTLE better, but I don't know if it will take you all the way. Almost everyone desires things like friendship and relationships, it's natural. But are some people just too un-gifted to get anywhere? I don't know.