I'm in agreement with you. I know from feedback from Hornby that the majority of decoder failures they have investigated for failure can be traced back to finger trouble from the user. Not in every case, but definitely in the majority.
In my own experience of 30+ HM7K decoders there has only been one failure - it's back at Hornby Towers being investigated and I fully expect to find it was down to me. I just hope they break it to me gently.