So if your degenerate father gambles away your college fund, that's your personal responsibility?

Society already has rules against stealing other people's money.

A college fund your parents saved for you isn't your money unless the money is in your name (or possibly set up correctly at the bank). If they just save it in their name, they can spend away as they like. It is their money until it is actually in your name even if you were told it was there as a child.

Which is understandable in many cases if the family actually needs the money before someone goes to college.

Yes, they chose their genes and the structure of their brain after all, how irresponsible of them! /s

In general, something that happens at scale and consistently is not an individual problem.

You have whole armies of very well funded designers of things like processed food, or games, working to deliberate find the faults in human brains, and to make politicians make the laws that lets them do it legally, and you say it's the fault of the individual that falls for it?

Blaming genes and the “structure of your brain” is precisely what people without a sense of personal responsibility do.

Do you think people with a gambling addiction are enjoying it and making an informed choice to continue, and could therefore just choose not to do it instead?

Sure. Also blaming individual for consequences for societal constructe they fall into is typical of those who lake any sense of social responsibility.

I hope you can see how this kind of argument on themselves don't make anyone extend their perspective if no one challenge its own preconceptions.

There is no such thing as society.

There is no such thing as individual, only a collection of cells. And no such thing as cells, just a bunch of atoms...

No one thinks of the quarks anymore - what with all this collectivism

You have far less control over things than you may think.

Sure, some of them do that.

But seriously, mental illness exists. Other sorts of things affect the brain - hormones, cancers, dementia, injuries, etc. Some things really are completely out of your control and no amount of "personal responsibility" is gonna get you out of them nor avoid them.

You can blame both the house and the gambler you know.