Speculation and rumours will happen. Most people will have an thought about what happened, and there is no harm in sharing that, or if you so wish, keeping them to yourseld.
The official accident report is the only think that can say with any authority what went wrong, and recommendations on how to avoid it reoccuring.
If people want to speculate, let them. What they say has no impact or legal standing.
But, is there any harm in speculation?