I find myself to agree with both of you, depending on scope.
When it comes to me and my personal life, I do my best to find what I could be doing differently. I try to find the blame for my problems in myself, because it's the place I can actually make changes.
When thinking about policy or culture, it's the opposite; I seek systemic solutions and look to where there are systemic inefficiencies.
The reason for this fairly bipolar thinking is inertia; I'm only going to be around for so long and I don't have time to wait for the cruise liner of human society to change heading - so I get my run in on the deck. Then I go yell at the captain for getting us lost at sea.