It's just as much the depositor's fault because they drew substantially the same conclusion with substantially the same information.
Where do you come up with this?
If I am speeding down the freeway, behind another car that is speeding down the freeway, I am not at fault if that driver gets in an accident due to driving at an excessive speed. And at the same time that driver is not at fault if I get in an accident due to driving at an excessive speed.