The Ruling on Saying "If It Had Not Been for Such and Such, Such and Such Would Have Been"

Question:
He says: Honorable Shaykh, may Allah grant you success, what is the ruling on saying "If it had not been for such and such, such and such would have been"? Are there situations in which this speech is permissible and situations in which it is not?

Answer:
I have previously mentioned to you, or it will come later, a chapter on the prohibition of saying "if." If this is a matter of blaming and dissatisfaction, it is not permissible to say, "If I had done such and such, such and such would have happened," because this means a lack of faith in the divine decree and destiny. However, if saying "if" is out of regret for a worship or an obedience that was taken from him, there is no harm. For example, the Messenger (peace and blessings be upon him) said, "If I had known what I know now, I would not have sent the sacrificial animals and would not have made them an 'Umrah with you." This is a matter of regret for worship. So, it is a matter of the divine decree and destiny. Yes.