...but if your tumble dryer catches fire due to a build up of (your) fluff, it's the manufacturer's fault, and not yours.
Before the design defect in the product was established, insurance companies would pay out to owners and then take it up with the manufacturers. The manufacturers presumably paid out a few times, did an investigation and realised they needed to alert end-users so the slew of claims would come to an end. Now we believe it's the manufacturer's problem and that they need to fix it.
In the case of AI-based products, it's not really any different. However, because the product makes actual decisions based on inputs, there is room to suggest that something other than the product may be liable. It's more like if you knock someone over in your car, it's not always your fault - if you were doing the right speed, paying attention, took evasive action, etc then it may not be your fault.
Of course, all this means nothing because the whole thing is in front of politicians and bureaucrats, where logic and reasoning do not apply ;-)