I doubt whether the medical, or the passengers contributed to this accident.
As a cause perhaps not: But as a part of the wrong mindset about flying a helicopter maybe.
Could it be the way the pre-flight checks are being done that set up these accidents? Could it be that it newish "GOVERNOR ON" method is actually contributing to a loss of control - ie the aircraft getting airbourne before the pilot was ready?
The governor coming in because the RRPM has crept up from 75-80% and caught the pilot unawares should not lead to the aircraft becoming airborne in anything like normal conditions (i.e. no excessive wind speeds) as pitch should be full down. Maybe unexpected yaw on a very low friction surface when light could cause a nasty surprise though.
What some folks do is carry on with other tasks after the aircraft is at operating RRPM, with their eye off the ball and cyclic friction on. Losing control here can happen easily with or without governor. As you say, the aircraft is ready for flight but the pilot isn't.
In fact, the risk of losing control may well be greater without the governor as the RRPM would be higher with an uncommanded increase in pitch due to correlation error: You'd be getting a even more rotor thrust
A high rate of roll-overs in R44s in a short period of time would point towards a training/refresher training defecit.