So, if I follow your logic, companies that deem the return on their investment in new infrastructure to be cost prohibitive/risky (for a multitude of reasons) are to blame. Therefore, that constitutes greed on their part, plain and simple.

What about high school students that find the cost of college to be too high and decide not to "invest" in a college degree because the return on their investment is cost prohibitive/risky? Would the H.S. student be guilty of greed, plain and simple?