I think you made bad assumptions. If I installed the APK through a third party, sure, my bad. But then I agree with shmel, that there's still some blame on Google. Like why not have a default where we disable screenshots not performed by a physical action and have an advanced option for API based screenshots? It's not bulletproof but neither is the current implementation.
But if I install via the playstore like most people then no, I don't think it's the user's fault. Testing every single app seems like a big ask but we're also talking about a 3 trillion dollar company. I mean FFS a 1 trillion dollar company didn't even exist 10 years ago and 10 years before that a 500b company barely did. So I think they can stand to lose some profits and do harder work. Really, if we don't hold these companies to high standards then that bar just continues lower and it's a race to the bottom. They'll be as lazy as we let them be