There's a reason why pilots exceeding the maximum 110 flight hours per month do not have their licenses revoked. Many "investors" and financiers of Lion Air are the same people who's job it is to uphold the law. As with most things in Indonesia, the important thing is to appear to be doing something, not actually doing it.
If Pilots are being paid "overtime rates" then there's a paper trail confirming their conscious breach of regs (and reward for doing so), and the operators coercion to do so.
I have flown with Indonesian pilots who have never stalled an aircraft, and therefore have never learned the signs of an approach to a stall, let alone recovery from one, including Instructors. Why? Because they were never taught it, their Instructors never taught it, and so on. If it's really quiet and all you can hear is wind, it's unlikely the thing's going to go up. Forgot something? Oh yeah... TOO late.
How is it that an airliner requiring two crew, can be "legally" operated by one qualified and experienced crew and one who is NOT. If the Captain is incapacitated, as happens, who's going to get the bird back on the ground? The new CPL who's still mesmerised by all the pretty lights and funny sounds?
Fatigue, training, ego, culture, under-qualified and under-experienced co-pilots (passengers). Throw it all up in the air and what lands is what we've got. Not a swiss cheese scenario, a FONDUE!