A better analogy would be accidentally crashing the vehicle - an action resulting from negligence or incompetence rather than some 1/1000000 chance of your car exploding due to a failure in functional safety. If someone is operating a vehicle in a manner that it was not intended to be used should we blame the manufacturer? You expect litigation to follow someone forgetting their keys, driving their car into a lake, or running out of gas on a busy freeway?
The solution should be to mandate more certifications and security audits for high-risk organizations. The safety mechanisms should be legal and not technical; you shouldn't be permitted to operate a business dealing with sensitive data if you haven't been audited. Delegating more responsibility to the system architects doesn't solve the fact that you have incompetent people performing the administrative tasks and malicious actors abusing this incompetence. It isn't about someone making a mistake, it's about someone being irresponsible in a security sensitive environment - something that should carry severe legal repercussions.