It's always easy to tell your others that regret and worry will not do any good or help them to make better choices, but we also subconsciously do the same thing and that's because we cannot help it.
Someone who is in a financial mess will always worry, even if they know the worry will do nothing to help their situation.
Worry is a response to pain, stress, anxiety, lack, distress and regret. When people experience these emotions, we automatically worry because it's a direct response to psychological stimulation.
Someone whose rents is due for a few days and they still don't have money will absolutely worry. This is the same when people experience health problems, decline and a possible health complications that they cannot pay for.
Two times people worry is when they cannot change a situation, or when they have money to remedy a situation but the situation seems out of hand. While it's actually proven that worry cannot fix anything, (even the Bible says it) people still experience it as a psychological process.
We subconsciously do it, like an afterthought.
The whole human process is instinctive, we react naturally to different things , but I figured we like to advise others to take control of that instinctive nature; to not let it control us and all that, but deep down, we struggle with it.
Regret is another thing you cannot easily shake off, it comes before worry and it's even more dangerous than worry. A lot of things happening in your life will revive that feeling of regret.
For example if you get married to the wrong person, you'd remember that you once had a good person in your life, you'd regret losing that person, especially if you envisage how differently your reality might just look like.
Knowing that your reality could have been different but it isn't.
Regret is knowing you messed up and you cannot do anything to remedy it, and it hurts even badly. With regret you can live your life in pain, especially if the consequences are not reversible. Imagine a drunk drive who hit and kill kids playing in the Park and probably escaped going to jail, but still conscious or empathetic enough to live with the regret of killing people because of one avoidable action. The worry is lesser and can be remedied easily.
A lot of times people lose themselves in worry, but suddenly their conditions improve when they no longer have to worry.
Regret can be chronic but worry can be temporal, overall you can also reverse regret when the circumstances are better, but most times people live with regret for a very long time because that's what it is.
There's nothing that good will or luck cannot change, but most times people need extreme luck and an incredible turn around of events and some good fortunes.
Also, people can train themselves to heal from regretful situations but sometimes it might take some incredible, maybe spiritual intervention to accomplish this.
Overall, people can live with both regret and worry, it's a very terrible combo, but a lot of human beings are currently living like this.
Sometimes it's the circumstances of just being a human being, but I guess it's all about being minimalistic in how you let regret or worry take control of your life. Almost everyone lives with one form of regret or worry but are managing it properly or really well.