It's likely I would have missed the traffic jams had I not had the fuel incident, since this was 5AM, roads were empty at the time.

And yes, everything is under our control and nothing is. It's a matter of perspective. Everyone prioritizes, since we have limited time. We choose what we do with that time. Just that, some people, sometimes me included, have such a time debt that sucks their time that it spills into their "obligations".

As for optimizing for the wrong things, this is also to some degree outside control. I obviously realize on a rational level why it's "suboptimal", penny-wise and pound foolish. But change requires effort and time. Which are sometimes used up in other more urgent endeavours.