While I agree with the main thrust of your argument Steve I would point out that the Scottish Cardinal has not been accused of anything illegal. The complaints against him are of lewd and offensive behaviour towards priests. Reprehensible certainly, and who knows what may yet come to light, but recognising your forensic desire for accuracy I did not feel that we should overstate the case.
On the general question of individual/institutional responsibility I believe you are absolutely right, but we see institutions other than the Catholic church failing to answer for serious wrongdoing - recent scandals in the NHS for example.