In all seriousness though, there is a lot of ignorance amongst passengers with regard to how our railway industry works. Whenever something breaks, it's the immediate TOC that instantly gets flamed (often unfairly in my view), rather than the real cause of delay which could be Network Rail or even another passenger!
I have sympathy for the TOCs in this regard (the relationship between the different entities isn't, in my view, the healthiest), but if passengers are customers, why should they care?
If I buy some strawberries from Tesco, take the home, and find they're all bashed up, I take them back to Tesco.
If Tesco then say "oh, sorry, but you have to understand, the distribution is done by a third party, so they're responsible for your strawberries getting bashed up in transit", I'm not going to be interested. If the distribution company then say "well, the farm is responsible for packing the strawberries so as not to get all bashed up during distribution", and the farm then say "the packaging manufacturer hasn't made the punnets up to our specifications well enough", then, well, I'm probably going to punch something. Tesco are the ones that need to give me the refund.
Point is, if passengers are customers, then they buy a product from the TOCs. If their product isn't delivered appropriately, then their complaint is with the people who sold them it. If TOCs are willing to take the money (and hike up the fares by the maximum amount they're permitted to) then they can certainly deal with the flack when things go wrong, and take it up with their suppliers on the customer's behalf.
As a wider discussion, sure, definitely take into account the rather dysfunctional aspects of the system, and who is responsible for what. But for day-to-day dealings with the railways? Well, if you run it as a private company, you have to take responsibility for dealing with your customers.