This ignores company culture, and the fact that people that reflect the company culture the most are the highest rewarded, and that often this culture is perpetuated by a small minority of individuals that control the companies.
I bet Cash4Gold has a ton of friendly ethical people working the lower ranks, but that doesn't balance out the fact that the entire organization is a scam.
> I bet Cash4Gold has a ton of friendly ethical people working the lower ranks
What you did there is the anti-thesis to my point though: if your job requires you to make specific decisions that you feel are hurting others, you are not absolved of that malevolence just because of "corporate culture". You are still an individual making decisions that you believe will hurt other people. (And that you'd be rewarded for such is even less morally relevant.) Naturally there tends to be more of that decision making power resting with the executives.
Culture is useful if we want to understand the context and root of ethical or unethical acts, but it doesn't whitewash them – most people don't believe that growing up in a tough neighborhood makes it ok to steal, even if it does give that act context.
I bet Cash4Gold has a ton of friendly ethical people working the lower ranks, but that doesn't balance out the fact that the entire organization is a scam.