Personal responsibility is a good principle to live by but a dogshit principle for system design. It's a transparent but common ploy by the corrupt: "let's not fix the system and instead toss a few scapegoats to the plebs while we continue to rob them blind."
I sure wish I had perfect willpower to avoid bad foods. But, alas, I am imperfect in that regard so I create a system that prevents bad foods from being in my house. The end result is that my behavior trends toward more perfect than had that system not be in place.
Moral philosophical discussions are fine and we can lament about the moral shortcomings of ourselves and others, but I think the systems argument is more pragmatic in creating real changes in behavior and outcomes.
Besides, complaining about immoral people doesn't fix the problem. Changing the law might.
The system is people just like the CEO - it’s a people problem
The “system” enables any kind of behavior - people are free to attempt anything they can imagine, consequences are applied after the fact