There's also an element of inertia involved. I think enough people are just fine with the way things are, or don't believe any changes , one way or the other, will make much difference, they have no reason to take action.
The reason I continue to point to leadership is because this sort of thing is right out of the totalitarianism play book. As long as the masses still have something to lose, they are not likely to risk making changes, or more likely to trust those in authority positions to make decisions. This is a herd mentality phenomenon. It is exploited by corrupt people in authority positions to do pretty much whatever they want. This is one reason why I put much of the responsibility on the shoulders of leadership.
I don't deny the accountability of the individual, however. It is just as much the responsibility of each person to do their civic duty, vote, be involved and keep the "leaders" honest. Those who don't are likely to reap what they sow, but they also drag those who are involved down with them.
In our own interests, what can we do to whip our fellow members into shape? How can we encourage more involvement? My main tactic is to try to win people over, one at a time as they each run into a situation that adversely impacts them. I help them through the situation, then I try to help them connect the dots between the situation that affected them and increasing their involvement. My thinking is that this will motivate them intrinsically because they have an experience to draw from that they will want to take action to avoid in the future. But this process is very slow going, so I am open to any other ideas.