Which is reasonable. If you pay for something, you generally are at least slightly responsible for it. Just because you don't want to be responsible for it doesn't mean you aren't.

For example, if I buy a car, hand the keys to a friend, and they go out and commit a crime with the car, I'm going to bet that I'm legally culpable in some fashion.

Yes, I am. If you're going to be the one with their card on the account, you're the one on the hook if something goes wrong.