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You have the wrong idea.
The world is more diverse....
If the programmer is the author of the algorithm, then it is absolutely correct, the question to the programmer.
But if the programmer worked according to the terms of reference, all the questions are addressed to the programmer.
I should also point out that the user must also be intelligent enough to use the product competently.
And your comparison is not a good one...
A retard or a drunk may also buy a car, but will he go far or not? ?
After the car is wrecked, will he sue the manufacturer? To the designers of the car? ...
It depends on why it's broken.
There are design flaws. It's like gaps in a program, for example.
but yes, you're right...
You have to be able to draw up a ToR or algorithm, and to anticipate all possible scenarios yourself.