The only thing that we can do is to not make it worth their time in the long run. Don't let greed and fear slide. Don't hate someone for choosing their family and comfort over your own, hate the system that forces them to make that choice. Hold them accountable, but attack the system, instead of its hostages and victims.
Where you fall depends on where you work and what you work on.
You make a great points about the chain of accountability. But, in my opinion, working professionals are the only agents in the system with the potential to realize their own culpability and divert their actions.
Perhaps, it isn't fair to point to them and call them traitors. Still, they are the only ones with enough agency to potentially organize and collectively push for the kind of ethics that could save us all.
Those massively and widely available benefits will continue to deflate the value of human intelligence until even most of innovators currently working on them lose their seats at the table too.