It's become more clear than ever that the pilots were at fault with some of their actions. Are they solely to blame for the plane crashing? No they're not - but their actions contributed to a situation that may have been recoverable.
From what I have read this MCAS system acted in a way that would be similar to a car suddenly taking over and pulling your car to the right. And to fix it you would have to find the switch for it and turn it off, while keeping on the road, and to correct you would have to turn a wheel next to your gear box to straighten the car up.
A head on crash with such a car would never be blamed on the driver.
The MCAS system in the crash aircraft acted in a similar manner to another potential fault situation - a runway trim - a failure that is part of the training for pilots flying the 737.
An MCAS fault doesn't put the aircraft in immediate danger like you describe with a steering fault would with a car. Handled correctly there is adequate time to recover from an MCAS fault. This has been demonstrated.