The higher up you go, the filtration system works hard. Whoever had the most control of the financial system with bad intention already infected the economies dependent on that financial system all the way down. And if covid taught me anything, it's that personal responsibility is only a part of the puzzle to solve the problem. It won't solve anything just expecting personal responsibility from everyone. The only thing that's a surefire solution is to change myself first, and I'm making sure I'm not becoming a part of the problem. I believe in leading by example, and I've worked hard to become reliant on less and less institutions that cater to greed over personal well being. So far that's my contribution to the society. I can only hope that the systematic change could come from those involved in those systems.