You can drone on and on about "personal responsibility" all you want if it makes you feel better, but at the end of the day, that isn't going to do jack shit. We need actual answers to these issues, not some haughty, Captain Hindsight, "well, you should have..." crap designed only to make yourself feel better.
It all comes down to, do you actually care about fixing these problems, or not? If you drone on about "personal responsibility", then it's clear you're only interested in assigning blame, and not interested in actually trying to fix things. Go feel superior somewhere else, and get out of the way of people actually trying to fix things.