while that's fair, they also state "The only way I get to be victim is if one of these organisations is duped and then they can’t or won’t address their mistake

while that's fair, they also state "The only way I get to be victim is if one of these organisations is duped and then they can’t or won’t address their mistakes or shortfalls and therefore they choose to pass the buck to me." And in this particular case, there is no recourse and you're certainly a victim. Last year there was something going on that they increased the fraud prevention-esque refunds with delays for a majority of people filing. Hopefully the IRS does similar this go around (and going forward).