I agree with the idea of personal responsibility as a keystone. It seems insufficient though. Somehow there also needs to be a kind of responsibility beyond yourself and your family, otherwise problems created by others (which you decided were not your responsibility) just fester and grow, and all of a sudden they're everyone's problem through sheer scale or magnitude.

For instance, the central bank is poisoning the economy and therefore society, but it's hard to see how personal responsibility could have stopped it from doing so.