In general you are implying that a end user knowingly bought a counterfeit item; this is far from the truth.
Absolutely not, never said that. Unknowingly buying stolen or counterfeit goods is (almost always) not a criminal act or the buyer's fault, but it also doesn't give them any claims of ownership over the stolen goods. It's a crappy situation, but it happens all the time.
this is in no way analogous to counterfeit currency - there are built in counter measures, there are tools for detecting them, and if you have homeowners insurance you may be covered for some or all of the loss (in the US).
I'd say it's a LOT like counterfeit currency - even more so than something like counterfeit clothes, etc. That currency has value to the owner until it's discovered that it is counterfeit, in which case it loses value. It's up to the owner to go after whoever gave them the counterfeit currency/goods to be recompensed.
And this isn't all that complicated, really. A hardware manufacturer buys chips and builds them into computers and other devices. If they used counterfeit chips, they are liable and will be required to fix the situation, or face a veritable shitstorm of lawsuits, etc. Of course, reputable manufacturers are not going to buy generic chips from a shady supplier, and hospitals and corporations don't buy computers from unknown manufacturers with no warranties, etc either (so the hospital example is totally bogus unless you have an actual citation to the contrary).
When buying stolen or counterfeit goods, it's always been caveat emptor. The fault is in the counterfeiter and the integrator/manufacturer who didn't check their suppliers, of course, but anyone in the chain will be affected, especially the end user left holding the bag.