Yes cable is to long, lack of care when assembling, BUT it could of been sitting on top of the crown (like most cables and cable wear of a lot of bikes) and “dropped” down with use. a simple zip tie up near the lever brake/hose would of prob stopped that.
BUT were do you DRAW THE LINE, what about about cable rub on top of forks/crown area and headtube area, I seen CORRECT LENGTH cables rub/wear groves in fork crowns and frames headtubes (carbon & metal)
So Who’s FAULT is it?
Manufacturers
Shops
Or the owner for not protecting their bike properly? (with tape/invisiframe etc)
Also 13 mths is a long time to not be spotted before hand, what about the insp of the forks that needs to be carried out every ride to 10 hours?
why wasn’t it notices when it was cleaning the bike etc?
Sorry think it’s going to be a grey area.