1. You talk of unanswered "questions" in the plural. It seems to me you asked only one question about personal responsibility.
2. It is an empty question, because no one here is denying personal responsibility. (One might legitimately [wonder if this is another example of your simplistic either/or  mindset.)
3. Even so, in one of my comments I did venture an answer when I talked about "contributing factors".

Basically lots of us thought the answer was so obvious, we didn't think it needed to be said.