I think you are right... the majority of people are not "conscious" in the sense that they look at how their mistakes come about. And quite often, when you talk to them, they also believe that life happens "TO" them, that they have no active part in a particular thing happening.

"I got mugged, walking home!"

"You took a shortcut through a dark back alley in a bad part of town..."

"That's not the POINT! I got MUGGED! Life is so UNFAIR!"

Choices have consequences...