What Makes a Valid Pesach?

The Torah permits a person to annul his vows with the assistance of a chacham or beis din. One method of annulling a vow is by finding a “pesach,” literally an opening. The sage asks the person who uttered the vow, “Did you make your vow while being cognizant of such and such a fact?” If the person answers in the negative, the sage can permit his vow to be annulled.
The Mishnah in Nedarim (65b) offers a few examples of what constitutes a valid pesach. The sage can ask the one who made the vow, “Did you realize when you made this vow that you were violating the biblical prohibition against exacting revenge or harboring a grudge?” If the one who made the vow says that he did not realize he was transgressing those precepts, the sage can annul his vow.
One may be tempted to reason that no sage is required. “Why can’t I come up with my own pesach and annul my own vow?” The very fact that one can annul vows is based on a novel scriptural decree. To illustrate this point, one cannot apply this logic to financial transactions or marriage bonds. One can’t say, “If I had realized that taking revenge is forbidden, I never would have bought this carton of eggs,” or “If I had realized how this marriage would turn out I never would have married this person.”