I loved the way you analysed the aspect of "who is to blame?". Though to an extent I still believe the owner of the car caries more blame compared to the other categories. My reason for saying this is that, if the car is being used in an environment that suits it's programming then I wouldn't blame the owner that much but in a case whereby someone decides to use a self driving car in a country like Nigeria despite being aware of the fact that the environment is not suitable for the car, I will definitely blame the owner before anyone else.
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You are right though, the owner Carrie's the blame more.