The most likely cause is camera shake: the camera moved while the shutter was open. On film point-and-shoots this often happens in lower light, where the camera uses a slower shutter speed. Even if you hold it with two hands, pressing the shutter can still jolt the camera enough to blur the whole image.

To reduce it:

• Hold the camera as steady as possible and press the shutter gently, not with a jab.
• Brace yourself or the camera against a wall, table, or other support when possible.
• Use more light when you can; indoor/low-light scenes are much more prone to blur.
• Consider faster film for dim conditions, since it allows faster shutter speeds.

A common guideline for handheld shooting is to use a shutter speed at least as fast as the reciprocal of the focal length (for example, around 1/60s for 50mm). If the camera chooses slower than that, blur from hand movement becomes more likely.

So the issue is probably not development—it’s motion during the exposure.