Final answer:
Problems arising from an operation's system rather than an individual's expertise are called systemic issues or systemic failures, which can lead to business failures due to factors like shifting market demand and supply.
Step-by-step explanation:
Problems that can be traced to a breakdown in an operation's system instead of a staff member's expertise are called systemic issues or systemic failures. These problems stem from the overarching framework within which a business operates, including its processes, policies, and structures. A systemic issue can result in business failures even if the employees are skilled and management is competent. Such issues often originate from external factors like shifts in market demand and supply, leading to changes in input costs or output prices. Although individual businesses may suffer as a result, from the perspective of the larger economic system, these failures contribute to a market's ability to adapt, evolve, and remain competitive.