I sense the outspoken masses would like somebody to blame and this thread closed so we could get on with waiting for the next accident to start another 100+ page thread.
So OK your brief vote is cast. But if history is repeated "those that choose not to participate" can rest assured that their comments have been noted.
For myself, I haven't figured out how to apportion blame, nor what to do while waiting for the next accident. So I shall continue to read this thread for pearls of wisdom.