How about this: "The user interface (UI) failed to help the user to make choices in their own interests."
Note that you'll find a LOT of people advocating for UIs that fail to help users to make choices in their own interests, and instead help them to make choices in the best interests of the entity providing the UI. (examples _Everywhere_)
When you let arbitrary entities (nearly) completely control the UI ("the web") with little to no negative impact for negligent or even malicious behavior, we get ... "cybersecurity".
It really isn't about the victim. Experts make poor choices / click on the "wrong" thing too. Some people work to mitigate that (laudable), but we're building on a foundation of sand.
Shift the conversation by asking what needs to change to help the real human people make good decisions. They are intelligent active participants who are trying to do the right thing 99+% of the time.