No, we don't have to take the funders' money; that's what having professional standards means. Nobody would excuse a doctor performing unsafe procedures because they "needed the money". Engineers were jailed for the Volkswagen emissions tampering scandal and nobody would excuse them for needing to take funders' money.

I agree that holding only the concrete implementers responsible would be inappropriate. However, I don't believe that distinction is made. One says "I am building a house" even if they are completely contracting the job out. I'd suggest the greatest responsibility lays with the funders and that the Pope would agree.

It lands on both. "It was just a job" or "I was just following orders" doesn't excuse you from doing unethical stuff.

The funders are among the principal builders in this context. This is addressing the people who have a say in what is built, and how it is built. Much of that belongs to the executive and ownership class, but not all of it.

I’m only through the introduction but this encyclical makes clear everyone bears some responsibility to act, including but not limited to the builders.

Mark Zuckerberg is a builder in the context of the encyclical.

Users are responsible, too