If the Garuda 737 first officer had taken decisive action by selecting gear up after the captain had disregarded 12 GPWS warnings and his own first officer imploring him to go - around, it is highly probable that this dreadful accident would never have taken place. The point of this thread is that when the captain is fanatically intent on landing no matter what danger, the gear up option by the first officer is a last ditch action. By all means make the normal warning calls of "Please captain etc" but there has been no shortage regretfully of culture dispossessing common sense and a blazing wreck is the result.