Thats a strawman fallacy. You can control not writing your sticky note.
You cant control a sim swap attack.
You cant control a sim swap attack.
The idea of "blame" (with some handwaving) carries weight in court and sways juries. And companies are getting sued for big sums over negligence regarding SIM-swaps, like here https://www.techmeme.com/190723/p15#a190723p15