It’s all on you
Yes, you're accountable for all the decisions you make (even being inactive is a decision), but the solution is not as simple as just use will power to solve all your problems, is not that simple.
You have to create a system, it is a long term process, an evolution if you want to.
It's ok to try different things, it's ok to ask for help. Oh you don't like the gym? Try going for a walk first. Are you anxious about an upcoming exam? Talk to someone, try different study methods. Can you redo the exam if you fail?
It's like running a marathon, you don't just start running and by simple will power complete the race, you need training, start by just walking, then move into longer distances.
Yes, it's all on you, but you don't have to do it alone. You initiate the process, you ask for help, you research different methods, you try different things, you create systems to keep things working.
Also you get the benefits.