Who's fault?
Unfortunately for a variety of reasons the deck is stacked against whoever has their hands on the yoke at the time of the event. The PIC has either failed to check something, notice something or learn something. Being the one who had the last opportunity to prevent the event, they are declared guilty by the arm chair experts of the world. Flawed design, construction or maintenance are secondary if for no other reason that those are usually backed by enough money to say so. Call it human nature.
A sad fact of life indeed and one I don't see us ever changing as it would probably require a level of mass maturity this nation will probably never see. Americans simply do not like to accept responsibility. Especially when involved in something bad happening.
Unable to fly full size anymore I fly RC models exclusively now. And have for some 55 years. You should hear the excuses at a RC field when a model goes down. The radios get the majority of the blame (I charged it three weeks ago!) with the engines following close behind. The fact that the owner over leaned the engine in that desperate grasp for a few more RPM has nothing to do with it.

Even once saw a fellow blame a tree for being where it was, having reached up and grabbed his model while on base leg. A tree that person had successfully navigated over many times before. Must have been a sudden growth spurt....
I have had maybe 100 crashes I've walked away from. They were all my fault for one reason or another. Mostly what I'd call dumb thumbs (thumbs run the joy sticks). A servo wire breaks under tension. Should have been longer. I knew it, so why didn't I? A wing shifts and falls off. Only had six rubber bands with me that day. A 9G turn didn't help either.

But the best was when I stood behind my Nieuport 17 as it took off. Man that paint job on the top looked nice. Never dawned on me the model was climbing out at too steep an angle. And even when it stalled at some 15-20 feet, snapped and spun in, I remained dumbfounded as to the cause for some time. But again, it was my fault. The PIC being stupid, stupid, stupid! Again!