I understand your point, but “a culture of personal responsibility” will still be a societal thing. On a moral level, you can of course assign blame to individual people, but that will not solve the problem, and my point is that a lot of people use personal responsibility to distance themselves from a problem and justify why they aren’t solving it.
What I mean is that it is beneficial to think of personal responsibility when you think of your personal responsibility. You see somebody stealing public funds? You go and be the whistleblower because you are responsible for making society a better, fairer place.
The problem is when people go and see a problem as someone else’s personal responsibility. Simple example, you see a guy throw away some trash on the sidewalk. If you think it’s their personal responsibility to keep our streets clean, and you justify not picking it up after them, the trash will still be there, as long as someone doesn’t pick it up.
The point is, it’s fine to think whatever, but thoughts in themselves won’t solve problems. Thoughts are secondary to actions, and whatever thoughts you have that motivate you making the world better are good, and whatever thoughts push you into apathy, or even stir you to actively make the world worse, are bad. The notion of personal responsibility can be both.