I should've, could've and would've done it if only ..... Words to be deleted from your vocabulary. With the word "have" they are all past tense expressing conditionality, contingency or personal opinion. Either you are in angst over a bad decision or making an excuse for current circumstances.
The only positive thing in the use of the words is the possibility you are using them to improve your decisions and actions in the future.
Putting the word "YOU" in front of -- "should, could and would" is extremely dangerous. Whether it is advice, or an order - it is never really received well or desired by the recipient.
So get out the past - I shall, can and will.