If you’re trying to blame “stupid consumers” or “evil companies” you’re not thinking about things systemically. Of course, under our current economic system, companies are going to end up exploiting, because there’s lots of pressure to maximise profits, and minimal pressure to avoid decisions that make money but harm society. And consumers are going to make bad decisions, because they live in a society where they are constantly bombarded by advertising and social values that encourage spending and don’t punish buying unnecessary shit.

The naïve (or self-serving) status quo view is “but consumers should know what they can afford, and not waste money. And customers should take their business elsewhere if a company does bad things”. If that’s really what you want to happen, then create a system that incentivizes that - have strict rules on credit and loans, so that people can’t buy takeaway food on credit, enforce strict anti-monopoly measures so that there lots of genuine alternatives for consumers to turn to, have requirements for news media to inform the public about all the actions that companies take that are harmful to the environment, their workers, or the general population (and make clear who are their competitors, and only those alternatives that aren’t owned by the same conglomerate), and so on…

If someone promotes a system that relies on “personal responsibility” but doesn’t promote tools that facilitiate that responsibility, then they are being disingenuous.