I think the argument here is essentially that of the prisoner's dilemma. A system or game can put two rational (or we can say ethical for the purposes of this argument) actors in a position where the most rational/ethical decision isn't the most ideal for all parties.

You can argue that the individual acting in a self-interested way is the problem, or you can argue that the system itself is the problem.

I'd have to agree with the parent comment - it's complicated.