Procrastination: I call this the slow killer of destiny, it has caused setback for many people, there are some life changing opportunities that occurs just once and many have failed to seize it, why? Cause of Procrastination. Well, one of the best ways to tackle it is to set target, implement your goals and work towards actualizing it.
You are actually right you know procrastination is a major factor affecting %80 of people all over the world. When they have a little opportunity they become too much comfortable and not having the desire to expand or widen their knowledge. Most time they come up with a good idea but putting it to work becomes a problem. They keep procrastinating forgeting that time waits for nobody. And Morover each day that passes by we are slowing meeting our grave, and there is no time till most people become a history of there imagination. All I can say is the earlier the better
" a stitch in time saves nine"
Wrong circle of friends: Your circle of friends could determine your level of success, there's this advice my dad always use to motivate us, he said a poor person in the circle of five rich people is a potential rich person, and that's cause the person would get informations or help from other friends to elevate him/her. One mustn't only consider rich friends but atleast your circle of friends should be with people who's got the mindset of acquiring wealth and are working towards achieving it.
This is another important factor that need to be put into consideration. There is a saying which say" show me your friend and I will know who you really are" sometimes evil communication begot bad influence and may slow down ones carrear. Most of our youth today failed because they refused to acquire knowledge from well learned people or business person only because the listen to bad friends that they can't serve anybody or become slave to anybody, rather becomein a boss why they didn't plan anything.
Apart from this point I selected among the few you listed, the other factors are also a good one. Another problem most people face too is working hard in the wrong direction.