A very short thought on who’s to blame:
Everything bad that is happening to you is your fault.
Don’t blame the weather, your colleague, the car in front of you, the bus driver who sold you wrong tickets…
Take the responsibility. This way you will learn and avoid things happening to you again in the future.
There is a saying in Russian: stupid people learn from their mistakes, wise people learn from the mistakes of others.
I believe you learn much better by experiencing something yourself.
Blaming someone doesn’t change anything, doesn’t solve the problem, doesn’t bring you further. Taking the responsibility will make you act to change your situation.