Computer says no has been a problem for decades. The human can blame the computer for the errors following it, but must assume the consecuences if they override the decision.
Individual responsibility is meaningless when talking about a system and economy level change.
Unless something is in the structure that makes individual choice and responsibility a meaningful source of friction and reduced velocity, it has no real impact on how AI is being used.
Humans can be tricked by humans too but humans care about their reputation in their communities, and at least fear from punishment.