To some degree I agree with you. But it should be noted that poorly regulated capitalism often makes the smart decision for your own best interests to screw with others. Whereas better regulated capitalism (and socialism) theoretically makes that a smart decision less often.

Also, companies do exist, they exist specifically to shunt responsibility off of individuals. (Which isn’t necessarily a bad thing, because single people having responsibility for massive economic things is probably a recipe for disaster.)

We do need a significant change in culture, we also need to change the system.