Nah, I'm in Switzerland, quite near to a major city but miles away from even a grocery store open past midnight. It's scary how the whole country seems to fall into deep hibernation around 9 pm (10 pm on weekends ;)).
Anyways, what exactly do you mean by personal accountability complex? Are you talking about taking responsibility for one's actions, acting in accordance with common sense, and that kind of stuff?
If so, where'd you get that from? It hardly feels that way to me. Booze may be easier to get by (minimum age of 16 for beer, wine and ciders; 18 for liquor), but all other substances are as illegal here as they are illegal in the U.S. Patronization instead of accountability on that front.
Traffic is even more strictly regulated than in the U.S., a lot of your "first cars" wouldn't probably get a license plate around here. Accordingly, road safety is better, speed limits slightly higher, but everything is tightly regulated; again, little room for personal accountability.
Then, there's that whole insurance cult. You are required by law to have e.g. health insurance. Now, despicably, most insurers spend millions on ads, staff cold callers and pay huge commissions to their agents, and thanks to mandatory insurance you can't get by without feeding them cash.
Car insurances are great, too. Liability insurance is mandatory in order to get a license plate, most people also throw in a policy against damages to their own car. Now there's a system of bonus levels. Don't file any claims for a year, get bumped up one level; have an accident and lose four. After ten accident-free years, premiums can be as low as 30%. Great, so far, but there's more: insurance policies on the bonus level. Pay a bit more, and crashing won't cause you to lose the bonus. Also, insurance against gross negligence is standard on most policies now. Not really a sign of accountability, if you ask me.
Moving on, what may have prompted your question in the first place: finances. Yeah, that's where the Swiss are more accountable in that discipline. In fact, the circumstances are completely different. Switzerland has very decent social nets to catch people in danger of falling through. What'd be considered minimum wage jobs in the U.S., pay some $800 per week in Switzerland with marginally higher cost of living. Even single parents with not too many children can get by on one job. Their children will attend 9 years of schooling and after that, in order of academic performance either throw on another three for a higher degree, an paid apprenticeship over four or three years or be done with it. All of this is, of course, free. Afterwards, grades permitting, there's the option of attending University, at $600-$1k for even the best schools in the country. Working Fridays and Saturdays as a bartender pays some $20 per hour, enough to make it through University without piling on any debt and still have the time to study. For that new generation, jobs still pay well. Starting salaries $800 weekly without, $1k weekly with a trade diploma and $1.5k weekly with a University degree don't really force anybody into debt.
I guess you can get hooked on that fuzzy feeling of having more assets than liabilities.
Also, Switzerland is slow. The political system is very solid; bordering on boring. The same goes for the economic system. The big banks skew the growth rates a bit, but apart from that, everything moves slowly in Switzerland. After a few years of experience, most people won't expect their income to rise by 20% by next year, so they don't spend 120% of what they have today.
And those who do, working mostly in the banking and insurance sectors, they tend to either get large enough bonuses to cover their mess or, well, support the market for nice second-hand cars.
All things considered, I don't really see where we would excel on some kind of accountability complex. We make somewhat sane decisions when it comes to not getting into debt, but apart from that, I fail to see anything exceptional. We may look good compared to the average American, but that's to be expected, not exceptional.
Pray tell, where and how did you get the idea of that Swiss accountability complex?