I think from what i understood that people try to blame mIRC for their stupidity rather than themselves...basically placing the blame somewhere else. An example would be:

Say I downloaded something from a friend using mIRC rather than Kazaa or something. I get a virus/trojan and I would blame mIRC for not detecting it. (But I wouldn't dare repeat past experiences again)

I would blame myself for not using common sense

I think thats what was meant which I would agree that you are responsible for your own actions.. Ah well Its not like I would do that in the first place LOL