Individual Responsibility
The LDS Church emphasises self-reliance, especially economically. Agency is seen as given by God. Individuals are responsible for their own choices. God has a plan but the onus is on individuals to follow it; they have the choice not to. There are repeated affirmations of promises made to God (called covenants) by individuals in baptism and then in Temple endowments. If individuals break their covenant by, for example committing a serious sin, they can be stripped of their priesthood authority (if they have it). The individual is given every opportunity to choose to repent of their sins.