This one isn't so much of an assign the blame but NS conspired to make declarers life rather easy:
T1:♥3,9,6,8
T2:♣3,A,2,8
T3:♥7,K,4,T
T4: Oh i have 9 tricks ♣K ...
At trick 1 North didn't want to gift declarer a trick needlessly when he held Kx, while at trick 3 South felt that if he rose with the ace and showed his 5 card suit, the ♣K was sure to be cashed - declarer wouldn't finesse into the danger hand. Any crimes here?
If it matters to you the opposition are unknowns in a one day swiss.

Help

EW bid:
P-2♦*
2♥-2NT*
3NT-P
*multi 19/20 bal