While it is heartening to hear that you have not heard many quick dismissals of personal responsibility (it really is), I certainly have quite often (and among

While it is heartening to hear that you have not heard many quick dismissals of personal responsibility (it really is), I certainly have quite often (and among them is the GP above, whose comment prompted me to ask for an explanation). I concede that both attributions (personal or corporate) might be handwavy. Let's continue to wave our hands in both directions not only in one, is all I want to say.