My dad was a baggage handler at Heathrow and careful with money. He worked hard and had three jobs when I was young. I wish I'd inherited his care for money. Sadly I've grown up to be rather scatty when it comes to finances.
In a way a certain amount of self-criticism is a good thing because it keeps you humble. Realizing that no matter what success you've achieved you can still make enemies makes you humble too.