Each one is fully responsible for the consequence by own act no matter in physical or cyber worlds.
In physical world, the worst consequence is fatality if waring sign is ignored.
In cyber world, it could be files are locked by ransomware, identity theft leading to financial loss or criminal offence if abused by threat actor. The hard part is there won’t be obvious warning sign because attacks are stealthy or via deepfake.
Education, situation awareness are the essential elements to secure the human aspect.