The difficulty that arises in the mind is generated by oneself, not otherwise; by the mind alone are sufferings and enjoyments known.

Total responsibility: svayaṃ kuryān — one oneself makes it. There is no external agent, no destiny, no karma that is not cetana-kṛta — made by the mind. This is not blaming but empowerment: if I generate it, I can stop generating it. The repetition of the second half of verse 12 (cetasaiva hi duḥkhāni) indicates that we are at the heart of the message. The mind as creator and knower is the individual brahman — not the creator of the world but the creator of the experience of the world. Bhoga — enjoyment — and duḥkha — suffering — are both cetana-sṛṣṭi — mental creations. One does not need to change the world but the relation with the world, which is a function of the mind. The relation is not object but process; the process can be observed, and in observation, transformed.