How are you not responsible for those bad things? Life is complicated, but that doesn't mean that you you can just wash your hands of those complications that arise as a result of your actions. The points system needs to be redesigned to account for the complication of the modern world, but that doesn't mean to just ignore all the indirect consequences of your actions. It's a very complicated question with no correct or simple solution.
it depends. If my actions although seemingly good accidentally cause injury to someone then yes, I am responsible. We take that into account in courts today. But the examples mentioned by Michael are different than that. If I buy some peaches from the store that happened to be produced by a farmer who uses dangerous pesticides why should I get negative points for that? Maybe if I knew in advance that the farmer uses bad pesticides I could get some negative points but am I really expected to research every food I buy to make sure that everyone who produces the food is also a good person? And what if all the peaches in the store are produced by "bad" people then what do I do?