I often, in times and threads like these, wonder why people find it so hard to agree on what would be the 'Occam's Razor' case, and instead try to imply the most obscure, irrelevant without further investigation, and Hail Mary long shot possibilities.
Would a plain, straight forward cargo shift have this effect on an aircraft? I'd venture yes. It checks all the boxes without having to get intensely theoretical, philosophical, aeronautical, or hypothetical.
Could there be other reasons? Sure, but they require increasingly more complex chains of events and dont all lead to the exact same fatal outcome per se.
Is it that hard to accept the possibility that the load shifted on departure?