My opinion is a little of both. Can a GAME ruin a life? Sometimes. I'd say 99.9% of those times where this game ruined a life it is the persons fault.

I used to play wow, and my old GM has been playing it ever since release. I'd say this game, mixed in with his lack of self control is ruining his life. But, he's ok with it. Why? Because he's addicted. He's currently blowing off one of the best girls he'll ever find for himself, all because of his addiction to the game. He up and moved across the country where he has no job or friends. All he does all day is sleep and play wow. That's HIS fault.

I was addicted to the game at one time. Do I blame it on the game? NO! I had nothing else to do, didn't want to make a social life for myself so I sat on my butt and played the game.

The part where I blame WoW, is Blizzard knows that people will get addicted to this game. They cover it in their Terms of Service, saying they are not responsible for lost jobs, marriages, kids, etc... They prey on the weak, which I guess is a money play. But whatever, all it takes is a simple click of a few buttons and people can log off. Some just don't have that will power, or want to ignore their real life.