Welllllllllll, usually not quite. There's not much that can happen to truly fuck up a life in an irredeemable way. You can make choices that prevent you from being able to reach best outcomes A, B, or C, but at basically any point you can still achieve good outcome X, Y, or Z.

Not if you ragequit

Or, if you get garbage parents or no parents or born in a war or something, you don't even get any say in totally fucking it up. It's already fucked for you.

Yeah, that's by design. You've to replay at least three times to unlock the true good ending.

Oh. It me.

Alas, it seems to be a matter of luck. And, how whatever country deals with people who make wrong choices in their lives.

When it comes to crime and imprisonment - some countries have humane conditions, teach prisoners life skills and give opportunities to study a job, to give a chance to becoming a functioning part of the society. And some countries automatically kill or torture them, or leave them to rot while other prisoners harm them.

Define fuck up. If you mean you haven’t met your perception of societally imposed life goals, then fuck that. Part of life is accepting that society’s impositions are bullshit. Life your life, discover what is important to you and pursue that.