Another thing to think about might be why television news, or whatever you might be talking about when saying "humans literally can't help but make really bad individual decisions here!" is why television news, or whatever, is designed to exploit human psychological blind-spots.
It's like analyzing why people all seem fall of a particular bridge more often than other bridges, and coming to the conclusion "that people lie; they tell you they want to get to the other side, but they will fall if they get the chance. So much so that building trap-bridges, designed to make anyone walking the bridge fall of it, is very easy! They must really want to fall! Idiots!"
This is media saying that you were asking for it, basically.