If you want to talk about personal responsibility, then maybe let's start with, "Don't upload intimate pictures given to you in a trusted context to the interne

If you want to talk about personal responsibility, then maybe let's start with, "Don't upload intimate pictures given to you in a trusted context to the internet for revenge purposes". Doing that is neither prudent nor wise, and is also an asshole thing to do. If we can agree on that, I bet everything else will be gravy. Your example about insurance companies is specious. They aren't trying to apportion blame; they're trying to find any grounds they can on which they can avoid paying out. I'm also pretty sure that leaving your car unlocked neither excuses its being stolen, nor mitigates the insurance carrier's obligation to make you whole, in the slightest.