If someone calls up Bank of America's customer service and asks if they should eat a mushroom they found in their back yard, and the rep confidently tells them "yes", do you think the response should be "Well, it's not the rep's fault you listened to their advice, you should have known that Bank of America isn't a good source for mycology information", or "That rep should have said 'I don't know, ask someone qualified'"?

I'd argue that it's at least 50% on the person who gave the advice.