It's car manufacturers who should be held responsible for this. I used to be the owner of a diesel car.
Diesel cars used to be really reliable. And then, in a moment, they got that ecology thing. They leaped from 500k+ kilometers until the first major expenses to just 100k+. From a consumer point of view, you were just buying the next version of the same diesel car. But in reality you get nothing even close. If that's not a deception, then I don't know what a deception is.
Many modern diesel cars require very expensive replacement parts after just 100k kilometers. I mean really expensive. I had Fiat Tipo and the particle filter would cost me €5000+. Which is more or less half the car market price. After trying "cheaper" approaches that mounted to the same €5k over the 1.5 years, without resolving the problem, I decided to sell the car.
On the other hand, this is just an ecology thing. Your car can perfectly live without it. You can turn it off for a fraction of that cost. After a year of trying different approaches, my mechanic even offered to do it for free. The temptation is very strong. You didn't plan financially for this kind of repair costs when you were buying a diesel car. You need your car to keep going for another 2-3 years at the very least to make the purchase feasible.
Of course, you can call it a customer mistake. After all, the manufacturer didn't provide a warranty beyond 100k kilometers. But nobody tells you that the car takes €5000+ in repairs per 100k kilometers.
I'm all hands for the ecology. Don't get me wrong. I didn't accept the offer to remove the insides of the particle filter. However, if I didn't have the money to buy a new car, I would certainly do that. With my conscience being clear, because I'm 100% sure that the manufacturer is the one who is responsible for this. And the governments who allowed this manufacturer to behave like that. I'm OK with paying the "ecology tax", but it should be clearly stated in the papers, and not shadily emerge after 100k kilometers.