SimchaMinute by Rabbi Avigdor Miller
[To the unworthy], Hashem says, "I brought you into this world and I gave you a steering wheel: bechira, free *will. You could have continued on the path of greatness and become greater and greater and greater. You didn’t become a wicked man, but you didn’t turn out what I expected you to do."
It’s held against you.. Hakadosh Baruch Hu says, I gave you free will to climb the ladder of perfection higher and higher. — Principles of the Torah (#E-20)