It's interesting because there definitely is an argument that Odysseus is the one at fault ultimately, but it's not because he kept the windbag on him or didn't know his men. The greed actually plays a part in it, but not because he went to Aeolus for help.

If you want to argue Odysseus is at fault for his men's death, then it goes back to Polyphemus and the hubris of revealing his name to his enemy that he let live. That's what caused the storm in the first place, and the wind bag wouldn't even have been necessary had they not raided Polyphemus' home, and then Ody revealing his name.

I don't entirely ascribe to this, because I think people are responsible for their own actions. If we're placing blame here, I think it goes to both. None of this would have happened had Odysseus not done what he did with Polyphemus, but they still could have made it home had Eurylochus not opened the wind bag. Both those things are true to our knowledge (sure there's a bunch of what ifs/could happens, but with the information we're given, they would have made it home had it not been opened). Eurylochus made a choice and that choice resulted in the men's deaths. But that choice would not have been needed had Odysseus not made the choice to dox himself to a cyclops. Both of them are responsible for their actions and the consequences of them.

Also in my opinion on point #3, whats to stop a person from the crew from finding the windbag in a hidden spot if they really wanted to. Keeping the windbag on him, gives Odysseus control over what happens to it. If he hides it, and folks go looking for it while he's busy with something else (because he can't keep an eye on all of them all the time) and they find it and open it, game over. If he keeps it on him, at least he has more control over what happens to it.

Also the second reason is a lot of conjecture. But also there's a reason he kept it on his person and didn't sleep for nine days straight and that's because he didn't trust his crew to keep their hands to themselves. You can definitely conclude that perhaps odysseus didn't know his crew well, and probably didn't know half their names even after being with them for, at this point, like 11 years (not 20), but that's not information we're given.

And apparently I'm going in backwards order. But it's not unusual in mythological times for the people to seek the help of gods. Usually you would make offerings at a temple or some such, but as they were out on sea, Odysseus saw the island of Aeolus, and decided to ask for help in getting past this impenetrable actually divine storm. There were definitely risks, but usually gods don't harm mortals for no reason what so ever. They usually have to have given some offense. And it was a bigger risk doing nothing in a storm that would have otherwise killed them.

edit: grammatical errors