Technically, Bitcoin cant be hacked or scammed if you stored it in a noncustodial account wallet thats proven open source and only you know the wallet credentials. Its impossible to sign the transaction without wallet credentials like private keys or a seed phrase. That means as humans we make some mistakes, and we have to pay the cost as well.
A few errors happen even if we dont want them, like we know Electrum wallets are hacked with fake updates. A lot of people lost funds from that. Thats also our mistake since we havent verified on the official website whether there are real updates or not. So I agree with that; most accidents happen due to our own mistakes and lack of knowledge.
Unfortunately, the great majority sorely lack advanced technical knowledge. Most of these crypto laymen would have to depend on the reviews, evaluations, and recommendations of so-called experts.
It's great that there are guidance. What's tragic, however, is that such
expert guidance could still bring these ordinary people down the path to perdition. Coldcard, for example, was recommended by reputable Bitcoin personalities. It didn't end well to many.
In the same manner that it's always emphatically reminded to strictly buy hardware wallets directly or from authorized resellers only. It could still end in the same tragedy.
And, yeah, should we blame users when they install updates that are coming from inside the Electrum wallet itself?
Perhaps trust should be listed as a human error as well.