Are holding people to (moral, ethical) account and looking at problems from a systems perspective mutually exclusive? These are systems problems, I fully agree

Are holding people to (moral, ethical) account and looking at problems from a systems perspective mutually exclusive? These are systems problems, I fully agree, but they aren't only systems problems. The systems in question are people. They have minds, personalities, and agency. Eliding this - sorry for saying so - makes phrases like "whatever process created the flawed product [...]" sound absurd, borderline callous. I hate to resort to what by now is a web forum trope, but would you look the MAX victims' families in the eye and say, word for word, what you wrote above: "No, 'they' shouldn't" be held to account? Come on dude.