No, it’s an AI being stupid and a human being stupid in its security protocols and architecture.
Like most massive failures, this isn’t a case where one thing is at fault. There were many failures along the way, and pointing the finger at one of them is missing the point.
You missed the “drive up consumer costs” as the effort to implement AI means a number of companies are raising prices/rates on their other products to offset the losses on AI. See Xbox, Amazon, Microsoft, etc. Oh, and lots of job fraud above and beyond outsourcing humans - a friend that was pushed into management has returned to doing only in person interviews because too many applicants were using just-offscreen prompting from AI for technical and coding questions. Not to mention: