It absolutely is the Fed's fault. We are still paying for the sins of the GFC and Fed policy has enabled Congressional dysfunction. Without extremely accommodative Fed policy for the past 10+ years, Congress would be forced to do their job.
But if Congress doesn't want to do it's job, even if the Fed were completely negligent, you have to conclude they would only do enough to relieve the pressure to roughly the point where things are now, if they were even competent enough to not screw that up.
If you want to blame someone other than Congress for Congress's nonfeasance (and “Congress” in the sense includes the President, who plays both a formal and informal role in legislation), maybe blame the people that choose and retain the nonfeasant officers, rather than the Fed for doing its job well enough in the face of the nonfeasance elsewhere that the wheels don't come completely off.