What if or If only

My idol has posted something on her FB. "What and if are two words as non-threatening as words can be, but together side-by-side, they have the power to haunt you for the rest of your life: What if". Yup, I strongly agreed with this quotation. Besides that another word with the same meaning is If only. I wish I was not to say these words, never. But which human being has no regret? Eventually, people wish not to have regrets but yet these are bound to be.
I have lots of What if. What if I had study hard in high school and I'd not have to go abroad. Probably I have no regret in going abroad as I will have no future staying at home. What if I had study hard in Poly and I would probably be at university now. Erm... well, I guess they are all fate. Determined fate. I only wish not to have regret regarding to my family. I love my family :D