Whose fault?

Remember this? Grandmaster Ian Rogers gives an insight on how it happened.

The incident happened because [international master] Zhao needed to withdraw from the tournament due to study pressures but feared that forfeiting the games would adversely affect the tournament. After Zhao unsuccessfully tried to arrange weekend games, the arbiter [Charles Zworestine] suggested that Zhao phone his opponents and agree to draws. Zhao, while stressing that he really didn't mind withdrawing and losing his last three games on forfeit, did as requested.