Ownership begins when excuses stop being useful even when they are accurate.

An explanation can be completely true and still leave you stuck. Circumstances really were against you, other people really did fail you, and none of that gives you anything to work with. Ownership begins where you stop needing the account to be fair and start asking what you can now do.

When you notice yourself explaining a situation accurately for the third or fourth time, try switching questions: given all of that being true, what is my next move. Keep the accurate account and add the useful one. Both can exist.