I'm not trying to assign blame. I'm only saying that the result is completely expected.

In practical terms, the legal system probably isn't built to withstand blaming the user. I'd like to advocate that everyone who can do something should try to do their part, though.

If someone generates an image with a signature on it and doesn't share it, what harm does that do?

When the user shares it, that is when reputational harm becomes an issue.

Not the GP but - I am down to shit on AI as much as the next guy but yeah this is clearly the users fault.

A technology being flawed does not absolve its users of responsibility. To the contrary, it amplifies it.