uhm, maybe it's your fault because
It never matters if it is the users fault. If someone can't run your XNA game for *any* reason, they will just move on to the next game, and never look at yours again. So, if you're selling the game, and rely on it to pay bills and buy food, you probably need to make sure there's nothing potential customers can screw up: the game should just run, period. Or you will lose sales. And that is way XNA is one of the worst solutions for indie-games.
And even if you are a hobbyist, just giving your games away, you probably want lots of people to play them... so even if it's not as big an issue in that case, it's still an issue.