Risk and Regret
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If there's a single thing you learn from experience is how you feel when things go poorly.
Regret seems to need some sort of hope that if you could go back in time, you could choose a different path purely by your own actions.
That you believe that you are the person who drives your life forward.
On the other hand, I've met a few fatalistic people who had zero regrets, relying on the future to be decided for them whatever their actions are.
I can totally relate to it but it might be because I'm in a mid life crisis.
https://www0.gsb.columbia.edu/mygsb/faculty/research/pubfile...