Yes, yes they are. Which is why you pay for their services.
If a you pay a mechanic to fix your car, and it breaks down on the way home, you take that shit back and tell them to fix it.
If you pick up your car and the mechanic complains of an overdraft fee from the bank, because everything hinged on you picking up your car at noon instead of 3pm, that isn’t your problem.
Yes, yes they are. Which is why you pay for their services.
If a you pay a mechanic to fix your car, and it breaks down on the way home, you take that shit back and tell them to fix it.
If you pick up your car and the mechanic complains of an overdraft fee from the bank, because everything hinged on you picking up your car at noon instead of 3pm, that isn’t your problem.