Individual circumstances are irrelevant - only what all parties have to offer.
Nobody can be held responsible for the stock timing or spending decisions of another person, when that is just bad luck.
Nobody is responsible for the external commitments of another person, beyond that person themselves.
Nobody can be obligated to fulfil past expectations, when they tried their best, and there is a choice in the present.
Nobody can forcibly extract anything from anybody else, including their trust, which must be earned.
Nothing can be achieved without cooperation.
There are disappointments on both sides, but all parties need to learn from the past, and project to the future.