Have you noticed that whenever someone complain or there is an incident of scam they is always a role that was played by the person in that happening
It happens but not in all cases, you kept your property in your care is quite different from when you lost it out of carelessness or when someone came in and attack you just to steal you money from you, most of the people you see often loose their assets lack the practice of the security measures expected from them to use in shielding over their asset and this scammers uses such weakness to attack them, this is also very common to newbies in mot cases, if you know that you have something that you cherish, then don't wait till you're been attacked before doing something to protect yourself.
When you use a non-custodial wallet in the case of cryptocurrency, you will get a private key or a security phrase and that will be the only key to the security of its funds, so it is your responsibility to protect your money by taking care of them. so if you are careless and click on various phishing links or visit a scam site and try to access your wallet by submitting your private key, it is your own fault. so you can't blame anyone for that.