It isn't the website's fault that users do things wrong. It's the users' fault. However, it is the website developer's job to mitigate obvious problems. We know that users do things that are stupid so we have to work a little harder. We have to build products that recognise what the basic minimum standard is, and then try exceed it. If you're transferring passwords across the internet in plaintext then you haven't managed to do that and you need to try harder.
