It happens

We are responsible for our own behavior and actions.

Not interested in excuses: "I didn't know it was wrong." "He told me to do it."

Even when they know the consequences and ramifications, sometimes people still make the wrong choice. People can be very foolish.

Did the person understand that they did not understand, and seek further understanding? If so to the first part of the question, and if not to the second part of the question, then yes, that person bears partial blame for proceeding while knowingly lacking full understanding.

Considering you've written three posts so far which don't make sense, are you talking about blindly following an instruction to scam people?

Welcome to AgDotCom. No, I can’t blame someone much for not blindly following a rule they don’t understand. At least, I know I have a hard time following rules until I really understand the wisdom in them. And sometimes learning that wisdom (if indeed any is in it) has been costly. But then I’m not fighting myself anymore. I know then why I want to follow the rule.

. . . insufficient info to answer that (hypothetical?) question.

Do you mean to say?: If someone gave you bad advice, and you followed it, would they be to blame if it was wrong? If you paid for expert advice. Yes. If you asked and someone offered friendly advice. No.