When you shift responsibility from the provider to the customer, you play right into the security blame game.
Using multi factor authentication, using long, difficult passwords, and don’t let your security questions be obvious. If someone knocks me out, uses my finger to TouchID into my bank’s app and transfer money, that’s the price I pay for the convenience of not wanting to login with my password. Same with using weak passwords and questions.
This is the same as having a car recall and having people dying before the letters reach their homes and saying 'they should have known this company's cars could explode'
Apple could have forced people to use multi factor authentication, and whether or not they should have forced it is a separate discussion that can be had. But I was claiming that your original comment was that iCloud was "hacked" is incorrect, since it implies there was some weakness on Apple's technical backend.
Maybe they should take a couple of notes for their broken cloud implementation from another phone manufacturer in the space that takes security seriously:
https://www.theguardian.com/commentisfree/2014/sep/30/iphone...
https://www.cso.com.au/article/577197/apple-tells-ios-9-deve...