I'm not asking about whether the legal system will hold someone responsible. I'm asking whether they are culpable, ethically speaking. The whole "don't hate the player; hate the game" thing seems to just be a total abdication of responsibility. Of course incentives shape behavior, but saying that only the incentive structure is to blame serves the interests of no one but the sort of person who would do absolutely anything they can get away with that makes them a buck and then insist that it wasn't bad because someone else would've done it if they hadn't.