I think it is a couple of things. 1st is pride, 2nd is not wanting to be held accountable.
We can be our biggest problem. People in general do NOT want to held accountable for the problems the cause for others or for the problems they get themselves into.
I think thats one of the hardest things to do. Can we truely be Christains if we don't ask for forgiveness not just for ourselevs but others as well? We can't know the true power of God's love nor blessings if we do not ask for forgiveness. How can we when His word says that before He can bless us we need to ask for His forgiveness thats is saying we let go of ourselves and give our life over to our Lord Jesus.