no regrets

I think it's brilliant advice to live your life in such a manner that when you look back upon it from your deathbed you will feel no regrets.

But I also think it's easy to misinterpret this guidance. I often hear people using it to torment themselves because they don't have the courage, resources, or wherewithal to change careers, leave a relationship, backpack through Europe, or make art in a cottage by the sea, and they feel they are cheating themselves somehow -- that they will look back later at these roads not taken with regret.

But what if the "no regrets" advice is actually much cheaper and easier to implement?