where to take responsibility

How does one know where to take responsibility and where not do? Lately, I've been apologizing for almost everything that's been going on: climate change, the economy, etc. I feel as if everything's my fault because I should have seen this coming, I should have been smarter, I should have tried harder, the list just goes on. People tell me it's not my fault and not to worry about it, but others remind me of what's happening and I feel guilty again. Are my feelings justified or am I just being a worry wart again?