For me...

I don't kid myself that I'm immune from temptation, no matter how strong I think my moral fiber is.

My life is full of a grace that isn't mine - that didn't come from within me.

Any day I relinquish that grace, I open myself to becoming the worst that is in me to be.

And in answer to your question, some of each. There are frustrated BS's who haven't had an A only because they lacked the opportunity. And others, many others, whose character (indwelling grace) is too important for them to give up.

A smooth sea never made a skilled mariner.
~ English proverb

Neak's Story