[chongli]

People want some external system to construct a social environment for them and often blame everything but themselves

I think this dependence on external systems, on governments, is another symptom of the problem. When people belong to a community they don't have that expectation, they are participants. Look to the Amish, for example, and their famous barn-raisings. They don't depend on government relief or insurance policies. Everyone contributes to building a new barn when someone in the community needs one.