There's a saying along the lines of, the purpose of a tool is determined by how its users use it. For instance, security dialogs are often useless because users blindly click through. Is this a human problem? Yes, absolutely. Does that mean we can blame users for not using the dialog properly? No, it doesn't. We're trying other approaches now that encourage better behaviors from users.

All that is to say, a human problem is fundamentally a tool problem.