You have collective responsibility and personal responsibility: personal is something we can look after but collective is something different.
Ultimately the collective stems from the sum of all personal actions so when everyone does the best to take their own responsibility not only for themselves but how that translates into other things, then this is a way to indirectly show a contribution to collective responsibility.
I think this whole game we are playing is one an experiment to teach us about freedom and especially what the consequences are of not only our personal actions but how all these actions relate to the actions of everyone else: i.e. just a way to teach us about cause and effect and like Sklyer0114 said: the ability to do things and live through their consequences.
With regard to your welfare comment, I think you should use your own insight and see it from the collective set of all actions that are somehow integrated into the complex mechanisms of societal structure that we see today.
We offer welfare if we believe in such a thing (and many of us do) and I think if you ask a lot of people why they would support and not support something, the most important questions to ask include "Would you like the outcome if it happened to you?" (this is probably the best way to judge equity under uncertainty especially when everyone agrees but then again this is hard) and most importantly "Has it happened to you?" or a weak version would be "Have you been around someone that has experienced it?"
Personal responsibility forces the individual to consider the consequences of their actions and social responsibility forces them to consider how their actions have a ripple effect everywhere else.
The thing though is that we all have different experiences and are moulded in different ways so the only real definite way to get even some insight into the experiences with others is through some form of highly concentrated empathy (and I don't mean this BS of comforting someone who's husband died: anyone can do that).
Some might say that the social responsibility is then largely taking the time out to think of what others have gone through so that the personal actions can be considered in the context of these outcomes.
Unfortunately we have a lot of people who just don't know any better and if they are kept in the dark of what the real world is like (both good and bad), their own actions will reflect the absence of this knowledge and likely result in things that others with such experience or knowledge may despise: the best we can do is not to expect them to follow what we say, but just to tell them what is going on so that they can make up their mind and ultimately at the end of the day, they do.
No one is an island though, and in hindsight I think it's a good thing: the reason why a lot of stuff is so screwed up is because people are so ignorant of what is really happening out there in the real world, and as a result things as so distorted as to cause many people to not only make certain decisions but to support collectively others making similar ones.