It's both. There's a tendency to excuse bad behavior because they "have to" due to systemic forces, but the system does not have them at gunpoint. Businesses in

It's both. There's a tendency to excuse bad behavior because they "have to" due to systemic forces, but the system does not have them at gunpoint. Businesses in this system can and do survive without being ruthless and amoral right up to the edges of legality, even when they don't reap the rewards of a positive image because they decline to publicize such small integrities. You're right, however, that the system is the bigger problem.