One such factor could be your mood…..you could be applying a decision-making bias, such as problem-framing (i.e. are you proned to view things as positive or negative).
So yes, I believe there’s more than genetic disposition, applied knowledge and experience involved…...there’s emotion too. Try as we may, we’re just not vulcan.
Also, if you had (and this would be an interesting identical twin experiment) two people with identical genetic disposition (is that even possible?), experience and knowledge, experiencing similar moods, but presented with the decision they have to make in different ways, would they arrive at the same conclusion? Quite possibly not, because whichever way the choices were presented to them, could well add to the influences of their decision making.
None of this changes the fact that it is them making that decision and if you wish to hold someone responsible for it – it is the decision-maker.