Can depression be a reaction?

I practice Vipassana meditation and am currently going through a period of anhedonia and I am trying to understand if my depression is a sankhara or if it is simply a result of my mind reacting and not being equanimous in my everyday life. While practicing Vipassana I don't have a problem following the instructions or have an overly difficult time practicing equanimity so it doesn't make sense that I would be able to cause that much suffering in my every day life because of my reactivity. But then if it's not my mind reacting to something it means it has simply arisen for whatever cause. I find it difficult to navigate the personal accountability of what one experiences (I caused my depression by not living a fulfilling life, not providing for my needs etc) and my depression simply being caused by the inescapable suffering of life and/or sankharas. Because then it does mean that we can control our well being by changing something outside of ourselves which contradicts the idea that we are 100% responsible for the pain we carry, but that's not true is it? We are hurt and traumatised by the world and relationships and while we then have responsibility to not generate more suffering for ourselves we didn't cause the harm that was done to us in the first place which would mean that certain pain and sadness that we carry does not come from us. I realise that ultimately, whether our suffering comes from a reaction, a sankhara or from wherever else the procedure of taking care of and approaching the suffering will be by the same technique according to Vipassana, namely through observing the sensations and by practicing equanimity. But is that enough? How do you know if you need to change things in your life to be able to be well? If you practice you might feel a sense of relief and a little more clarity but what if that's not enough to actually feel a sense of meaningfulness and a desire to take action, to do things? Hope this made sense, if anyone has any insight they'd like to share around this topic I'd be deeply appreciative, thank you.