Whenever I see conversations like this, I have to wonder, what is your goal? Are you trying to solve the problem? Or are you trying to find someone to blame?
Because if it's the latter, then go ahead blame individuals all you like. It's overly simplistic and ignores the fact that people's behaviour is shaped by the systems they live under. It's also completely and utterly useless at actually solving the problem. But by all means, you can waste your time as much as you like, just don't expect people who actually want to affect change to waste their time humouring such stupidity.