If all you do is narrow your view to only the the things that affect you in those few moments, sure. That's what personal responsibility is all about, why it's appealing like people to you.
You probably also think black men deserve to be shot by cops for not complying. They weren't personally responsible enough. They made the wrong choice.
You probably think LGBT+ people deserve to get fired from their job for not hiding who they are. If they were personally responsible, they'd know better and lie to avoid punishment. Gotta make the right choice in the moment.
And everyone who uses drugs should be in jail too, right?
This type of thinking, where only the effect matters and never the cause, where the roots of all problems are ignored because your individual convenience isn't catered to, is genuinely one of the worst sicknesses of our society. Fuck you got mine, everything else is excuses.