The Report says
"It is therefore concluded that it is not possible to accurately determine the exact cause of the accident. The most probable cause was a conjunction of some of the hypotheses mentioned ........ ."
Sometimes the cause of an accident cannot be determined and, as in this instance, the one person who might be able to give the answer sadly isn't alive to do so. If accident investigation experts who've considered all the evidence can't conclusively determine the cause(s), it's curious that people who read their report think they know better.
In the absence of conclusive evidence a pilot did make an error, implying or speculating that he did is not only silly but grossly unfair, especially when the pilot is no longer with us to defend himself.