Given everything just said — that five factors work together in every action — whoever still looks at themselves and thinks 'I alone did this' is seeing through a fog. Krishna calls such a person akritabuddhi (of untrained intellect) and durmati (of poor understanding). These are strong words.
This is the ego's favorite illusion. When a project succeeds, the mind races to claim credit. When a meal turns out well, the cook feels proud. But the Gita asks: what about the ingredients, the stove, your health that day, the recipe someone taught you years ago, and the simple luck that nothing went wrong? You were one factor among five.
Krishna is not diminishing human effort. He is placing it in honest proportion. You matter — but you are not the whole story. Seeing this clearly is the beginning of wisdom. Missing it is what he calls durmatih.