

It is possible (common really) for individuals to make completely rational, sensible, even correct decisions, which ultimately contribute to a larger systemically catastrophic problem. It comes from improperly aligned incentives within the system. For examples, you can reference the prisoners dilemma.
But you are if the personal incentives in your situation are bad enough.
For an extreme example. You might not want to support the black market for human organs. You know how terrible it is as a system. But you’ll die if you don’t buy a black market organ. Is it reasonable to expect everyone to give their life for that ideal? No.