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Take the case of self-checkouts.
Money is missing from the tally at the end of the day.
In one case, you have an employee as cashier. You can reprimand them, in some jurisdictions even take it from their pay.
What do you do with a machine if money is missing? It may be a tricky customer/thief, it may be just that the machine is not always 100% accurate in certain circumstances, maybe you skimped out on maintenance one too many times. Who do you blame?
That's why there are no vending machines for certain types of goods, or no self-checkouts at car dealerships or "bad neighbourhoods". Sometimes the risk component is too high.
Having dealt with automation in a specific context, the people making these decisions aren't focusing on blame. Instead, there is an assumed increase in shrinkage which gets factored into the cost-benefit analysis on whether to choose automation. The conditions in which shrinkage can happen affects the risk shrinkage.
No one is looking at who to blame if an electronics store goes for self checkout, they are looking to see at how much easier it will be for people to steal from that store compared to if all cashiers are human.