An individual can be expected to be moral, and should be judged if they are not. A population or corporation should be expected to be moral. Collective behavio

An individual can be expected to be moral, and should be judged if they are not. A population or corporation should be expected to be moral. Collective behaviors are a function of incentives and penalties, of pure economics. If your plan to fix the problems in society relies on every member selflessly cooperating and fails if one member defects, if you create a system that is trivially exploited by rich amoral sociopaths behaving like rich amoral sociopaths, then the defector is morally to blame when it fails, but that's still the expected outcome.