Floor ruling - who's fault is this?

[young Nut]

25+13 add-on tournament today at the Peppermill. We are in the third blind round and I am in the big blind. 3 limpers in late position and the sb completes.

I am dealt 6 [img]/images/graemlins/diamond.gif[/img]8 [img]/images/graemlins/club.gif[/img] and check

Flop: K [img]/images/graemlins/spade.gif[/img]5 [img]/images/graemlins/heart.gif[/img]7 [img]/images/graemlins/heart.gif[/img]

BB checks, and I look down at my stack to contemplate how much I want to bet, then i begin stacking the correct chip amounts (as I do this I hear the old lady on the other side of the table check.) I fire out a bet. Dealer stops me and says, "what are you doing...it has already checked around?"

I clearly never made any check motion or said check...in fact I made no sound at all. The guy to the right of me, in the sb, was wondering what was going on as well. So the dealer calls the floor over, and this is the floors ruling:

The lady said that it was my fault for not stopping the action going around the table once I heard it. She said that because they all checked behind me, there was 'significant action' and that I could no longer bet. So it seems to me that she was blaming me for not controlling the actions of the other players acting out of turn. I think this is ridiculous.

I only heard the one old lady check, I heard no one else check. Many players check out of turn all the time so I just chalked that ladies check up to inexperience.

The ruling made me pull back my bet and let the action check around as it did. The turn put another high card and heart on the board and I was forced out by a bet from a big stack.

Any ideas or knowledge of how this should have been ruled or whose responsibility it is? I think it's pretty ignorant to blame a player.