If you get on a train, you are statistically more likely to reach your destination than just sitting on your ass. Yes, you may die in a fiery trainwreck, but getting on the train will lead you in the direction to where you intend to go.
If you do nothing, expect nothing.
If you attempt to work on your personal problems, be they psychological, physical, financial, whatever, you are more likely to make a change in your life than just accepting that this is your life.
Struggling with autism, I not infrequently get on the wrong literal non-metaphorical train, stand on the wrong platform for an hour, pass the station I'm meant to disembark. It's rough. But you can extrapolate that idea to working on yourself too—sometimes we forget to get off the metaphorical train, don't know which train we're meant to be getting, not even sure how to get somewhere, but as long as someone is trying to get somewhere rather than just being content with where they are, I think that's beneficial in most scenarios.
I've also struggled with depression, hence the "sitting on your ass", wallowed for many years and just tread water. Execute on intent—do something—carpe diem—make a change—you can always make another—just don't accept your life as-is if you're unhappy with it.
I have to thank you for the positive mindset you're trying to teach us here!
Also, as you say, it is very important to not accept bad state -- this is so important I can't stress it enough. Even more, because of how some generic people mindset can easily get you into "learned helplessness" state.