"Excessive" - maybe. On the other hand 'taking responsibility for yourself' leads very fast to the just-world fallacy when applied to others: People don't deserve help, if they worked harder they would have reached their goals.
Maybe. I'd much rather fall closer to the "just-world fallacy" that you mention, than to the "your success is based mostly on 'luck' so we must resort to a 'higher power' to make things 'fair'" side of things.
