Personal responsibility exists but not in the victim blaming way libs imagine. It is not the personal responsibility of the unemployed they they can't find work and it is not the personal responsibility of graduates that they are burdened with suffocating debts. Those situations exist because of systematic factors that leaves individuals with nothing but bad options to choose from.

No, personal responsibility is a relevant concept in those cases where people in positions of power, who have every possibility to make better decisions still choose to make decisions that hurts people. Jeff Bezos is personally responsible for grinding his workers down, Joe Biden is personally responsible for not forgiving student debt, Marine Le Pen is personally responsible for the intensifying racism in France, Netanyahu is personally responsible for war crimes against Palestinians, Derek Chauvin is personally responsible for murdering George Floyd.