Double Bogey, Eric Ferret, et al
Those are interesting points that are raised, however we need to bear in mind that no matter how thorough and detailed a manufacturing, inspection and maintainance process is there is still a REMOTE possibility that a catastrophic failure of this nature could have happened suddenly without a noticeable timeous trend on the HUMS or without making chips/metal.
These are machines that at the end of the day are subject to sometimes tragic random failures. I am not trying to start a fight here, merely making a point of view that IMO needs to be remembered.
As for the alternate load bearing structure of the Apache rotor system, bear in mind that it may not be feasable from a design point of view if you want to carry passengers to do it like that on the modern civil helicopter although it would make my job a lot easier for swapping out an MGB if it were.