If a Microsoft employee gave people access to your mailbox, and they used it to get $5000 from your bank account, would you consider them responsible ? Because I sure would.
This is a similar situation, except of course, that no Indian citizen has any choice in the matter: they cannot change their ID card provider, nor can they demand banks not give access that way : both have been legislated.
So when banks gave access to criminals with the (official, government-issued, through bribed officials) ID cards of the owners of those bank accounts, I feel like it is very much the case that the government is responsible, in at least 3 ways.
1) it was government officials who gave people access to that bank account
2) the banks tried to stop it, but are legally forced to give access to bank accounts to people holding those ID cards
3) the government is refusing to fix these issues, or secure their side
4) and the least way, the government is supposed to stop criminals. Which they did in a few cases, and did not do in thousands of other cases ...