My mother that still has an economical activity is losing money with modern technologies. And no one is liable.
It is is the "user's fault". The keyboard chair bug.
If also so many people get fucked by the oldest trick on earth of executing arbitrary software by trusting an unknown source it is clearly an information problem.
Either the industry is unable to make the information clear, or the information presented is not adapted to human beings.
In both cases, given the number of victims and money lost do you really think that this industry considers itself liable? Users are treated guilty by default in the mind of the companies.
The PR of IT is that all the bugs from software is the fault of the users. It is denial.
We (software industry) are the root cause some people lose money and no one can sue us for this.
Because we impress them with our confidence. And they believe us.