Same as Apple/Google aren't guilty of creating malware apps then it slips through, but the predatory ass who coded the app and published it is. Same as Walmart isn't guilty of poisoning people when they stock a product that's spoiled in production, but merely failing to verify proper credentials set up by regulators.
I don't know why so many people here and elsewere refuse to hold people creating predatory/fradulent companies accountable , but instead demand that megacorporations control access to your products instead. Which they repeatedly fail and and exploit to enrich themselves at your expense.