Providers are held to a higher standard because the means of securing their product/service are within their control. The standard of care is very context-specific. Photo sharing applications will not be held to the same standards as banks or the military any more than mom-and-pop delis are held to the same security standards as JFK airport or Dodgers stadium.
This all not to mention the explicit waiver of liability that accompanies virtually every product or software service offered in the US.
This is why liability waivers are now standard issue, so that liability for simple negligence is no longer an issue. But note that such waivers do not absolve the developer of liability for gross (i.e., intentional or pervasive) negligence.
I don't propose an answer -- I'm curious what you think.
This all not to mention the explicit waiver of liability that accompanies virtually every product or software service offered in the US.