Jonzarno, I don't think anyone would argue with that and I don't think any one actually has, at least, not on this thread.
The main thrust of the argument here has been that some believe that descending below MSA in order to land is illegal if away from an aerodrome on a "published approach". It's not.
However, if a pilot chooses to do so, he /she is obviously "responsible for your own terrain clearance". Any ATCO will quite rightly make a point of telling you so at the time if you descend below his sector safe altitude.