Sure it does.
"Woulda, coulda, shoulda" by definition is a lack of "appropriate vision, not achieving via lack of vision and then reminiscing about one's blindness.
Here’s what I mean by that statement.
If I come to you with a problem, and you say “you shoulda blah blah blah”...
I ALREADY KNOW WHAT I SHOULD HAVE DONE. I DIDN’T. NOW I HAVE A PROBLEM.
That’s all I mean. Telling someone what they SHOULD HAVE done doesn’t do a damn thing about their current situation, because, unless they’re a total moron, they already have figured out what they should have done.
That goes for finance, personal relationships, unprotected sex, you name it.
Say a guy burns his house down because he threw a lit match into the trash.
You tell him “should have made sure the match was out.”
That doesn’t “unburn” his house, nor does it rebuild it. He already know what he did wrong.