rwinches :
'At some point you realize that corporations, governments, and other organizations are just a bunch of individuals working together.'
That statement is incorrect, a corp/gov is not the same as a bunch of individuals, not even close. Our corps and gov need a lot of scrutiny and revision the 'system' is clearly broken. The events of the financial crisis show just how urgent the need for change is.
Simple thought experiment:
Take any corporation or government.
Remove all the individuals.
What are you left with?
A bunch of objects and data. The thing that makes any organization "do stuff" is people. Consequently, if the organization is "doing bad stuff" it's people who are responsible for that behavior. And usually it's not all the people in the organization who are responsible.
Ultimately, the housing bubble and subsequent economic crisis was caused by people borrowing more money than they could realistically hope to pay back (they bet that appreciation in home values would relieve them of the burden of having to earn money to pay back the loan), people taking advantage of the people borrowing to make a quick buck by lending them that money, people selling the notes guaranteeing that loaned money to people who didn't know what they were buying, people saying those notes were a good investment when they weren't, and people buying those notes without fully investigating exactly what they were buying.
People, people, people, people. It was all caused by people either making bad decisions, or taking advantage of the people making bad decisions. If you banned all corporations and governments, it still could've happened because individual people could've done the exact same thing. Trying to blame corporations and governments for the crisis instead of people doesn't solve anything; you need to set up rules, guidelines, and prohibitions discouraging
people from doing what I described above.