What you're positing here is a view of life that Margaret Thatcher loved. The idea is, "There is no society. There are no laws. There is no oversight. Everything, all responsibility, all of it is 1000% individual."

Of course in reality that's nonsense. We live in a world with laws that are sometimes enforced, where governments sometimes protect us, because we want them to, because that's good for us all.

But even if you believe in Thatcher's view, then you have the problem of corporations. You can't seriously argue that we should be responsible for everything ourselves, as individuals, and also that corporations should exist, because they are anti-individual.

Chief, if you needed to make an informed decision about every decision in life, there'd be no time for life. That's why other people specialize in jobs so that within reason, confidence can be placed to their decision. I'm not saying you blindly agree and follow everything, but people can't be responsible for every decision. For example, who made the seatbelt in your car? What research did you personally do to verify the safety of your seatbelt. What maintenance have you done to it to ensure that it works as intended? Pretty important life saving bit of equipment.

Edit: my presumption is that you(or the vast majority of the population) haven't done any research into your seatbelt because you trust in the car company and the safety rating requirements of your nation to ensure adequate protection.