No it's not 100% on the diver, both the diver and the operator have some combination of the responsibility/accountability here. Yes all divers should have that attitude that it's all on them as it promotes safety and self-reliance, but operators are also responsible for conducting their operations in a safe manner and for ensuring the safety of their guests. Handing a new diver an empty tank and allowing them to jump in the water solo is unacceptable any day of the week and is potentially negligent legally (that'll be up to FL courts). Liability waivers don't protect operators from their own negligence or incompetence, just the diver's.
And yes I agree that the industry and certification agencies (mainly PADI) need to do a much better job of self-regulating, and at the same time the state, local, and federal authorities need to have some degree of common sense regulatory enforcement to weed out the idiots. There will always be resistance to regulation, unless accidents and bad PR start hitting operators and PADI's bottom line somehow. I'm not optimistic.