Isn't that a like like saying people are irresponsible when they fall for dark patterns?

This involves money and profit. Privacy policies involve money and profit.

In both cases, there are clear financial incentives to make things confusing to the benefit of the financial institution.

Because credit cards got so bad, they added "nutrition labels" by law. These are the required disclosures that take about APRs, penalties, grace periods, fees and minimum finance charges, etc