> It seems apparent to me that your attitude toward individual level accountability is one that denies agency of the individual and ascribes their moral failures as a result of societal-level problems. After all, there is no moral hazard when individuals have no moral agency to begin with.
Yeah! I do think people are 99% defined by the systems and scenarios they exist in, whether that's a government, a school system, a culture/society, a family, etc. You can see this all over, but my favorite example is when people from deeply misogynistic cultures move to Western countries, within a few years their views moderate. It's hard to find a more deeply held moral belief than the fundamental roles and identities of men and women, but it changes and quite easily.
Or with the Hale County example, I'm not at all surprised that as the economy failed that community they noped out of it. Reading through the NPR stuff, you'll get a good feeling for how they rationalize it (I don't think Hale County is especially beset by freeloaders) and their dissatisfaction with it. A world where people are strictly adhering to codes of morality isn't one I've ever experienced.
I'm not saying people never do moral or ethical things, and I don't think you can fully understand the world if you don't include morality/ethics in your thinking. But in the aggregate, this isn't how things work.