Joanna is probably correct here, but still I think it best for political reasons always to emphasize systemic elements rather than individual criminality.
[WS:] Why? That takes the crooks that perpetuate the system off the hook. The crooks' strategy has always been hiding behind the smoke and mirrors of abstractions: religion, ideology, the market, or the system. The trick is to drag them from behind that veil of smoke and mirrors to the daylight and effectively dispose of them - by any means necessary.
Wojtek