Seen on a comment to this blog post
“Pray to God, but swim to shore.”
Now, I'm pretty a-religionist (as opposed to agnostic or atheist), but it seems to me that we would be better off if everyone concentrated on the "swim to shore" part and less on the "Pray to God" (or "Beg to the Gov'ment") or just generally expecting something or somebody else to swoop in and save you from your own bad fortune, incompetence, and stupidity.
And make no mistake, we all--every one of us--take turns with bad luck, with incompetence, with doing stupid things. It's called "being human." It hasn't changed in the 5,000 years of recorded human history, and there is no reason (contra Marx and Obama) that it will change any time soon.
Deal with the world--and with people--as they actually are, not how you wish them to be.