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Victim blaming is used to vindicate a perpetrator of a wrong doing. That isn't being done here, nor in the mugging example.

You can say a victim is stupid without giving any vindication to the person in the wrong.

Namecheap are saying "be responsible for your backups, but yeah we screwed up on our security policy" - They are seperate things, that the victim here has conflated, but are seperate problems (in regards to namecheaps offering).