I don't think we blame the governing body too much; I think they deserve all the blame we give them. However, I do agree with your point in that I think we should blame the rank and file more. I actually do place a lot of blame on them.
JWdom has changed drastically as most of us know. There are growing mountains of evidence against it now. Its history of failed major predictions (over 100 years long) looks more and more wrong with every passing day. Hell, it's almost 20-damned-24. The religion is no longer scholarly and analytical as it at least once seemed to be. The org and individual JWs are now cowards; they fear and run from challenges and deeper questions. The religion has become shallow and corny and televangelist-like. Their writings are now few and those few are dumbed down. JWs claim to be lovers of light, yet, in reality they run from it. The great light the internet brought to the world exposed JWdom for what it really is. JWs are, in reality, lovers of darkness. They don't want analysis; they don't want a light to be shown on them. The religion is weakening; the preaching work seems almost dead.
I just don't see how a level-headed person who loves truth and has decent intelligence and powers of reason and comprehension and discernment could remain a JW today. In the old days, yes, but not now. I cannot comprehend how my family members could still be in. I blame them. I blame all JWs who still support the org. Even though I don't think we blame the GB too much, I think the rank and file should be blamed. If they'd all leave, the GB would be powerless, whining little nobodies.
And I not only talk the talk, I walk the walk. I was a reg pio & prominent elder with major dist conv parts every year. I was the real deal. I lived the religion and loved it and would have died for it. However, I was also honest and loved truth and I had good discernment. I was constantly questioning and analyzing. I finally determined that JWdom wasn't what I thought it was for decades and I left our Kingdom Hall after a Sunday meeting and never set foot in one again.
I now blame those who remain and support the GB. They are lacking something... Honesty? Discernment? Common sense? Well-rounded intelligence*? A combnation of such things? I don't know, but, something's wrong. They won't reason. They want to point out the wrongs of the beliefs of others, but they won't let anybody show them the wrongs of their beliefs. How could they be so confident that they're right, yet, so fearful of challenge? Yeah, I blame them.
* I say well-rounded intelligence because I agree that some have intelligence in some ways, but I just don't see how one with well-rounded intelligence could remain a JW unless he's just dishonest and does so for selfish reasons. I have a JW relative who has a degree from a major science/engineering university. He is the only person I know inside and outside of JW land with whom I can talk about deeper, more technical things like math, physics, chemistry, and advanced grammar and know that he will understand. However, he can be a real dumbass in some ways. He has good intelligence in some ways, but is lacking in others. I don't consider him to have well-rounded intelligence.