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Unless they forced people to get credit cards I don't buy this at all. Someone being an ignorant and weak person is not Citibank's fault. Unless there is fraud involved what you do with your money is all you.
Your "addictions" (and yes I use that term VERY loosely here) are also not Citibank's fault.
But Citibank's choice to accept the risk is their own fault, and they deserve anything they get from it.
Thus, they are entirely responsible for all of the credit defaults they deal with, since they were the one's throwing their money around.
The debtor only lets Citibank throw it in their direction.