Arrowhead, as the developers and artists who worked to create the game, deserve little to none of the blame. Arrowhead, as the business entity who voluntarily entered into an agreement with Sony to have this requirement in their game in the first place, definitely deserves the blame. Whatever project lead thought this was an acceptable concession to make in order to secure funding from Sony was definitely not on the same page as the rest of the team who actually made the game.
Seeing a lot of parallels to the Cyberpunk 2077 launch; beautiful game created by a passionate team who loved their craft, massively damaged by short-sighted, greedy decisions by studio execs.