I think Robdean and a couple of others are closest to the truth. I think the aircraft was serviceable during first, fast approach. Gear was forgotten or raised early. Why? Who knows. Maybe the CVR with give an answer. Time will probably tell.
As for the belly landing, if the tower saw the first scrape, then I think asking about it was a fair question.
There has been many mishaps from touching the runway with the gear up. Some get away with it others have not.
As for the cultural aspect mentioned above, does PIA penalise pilots for missed approaches, too much fuel etc?