You will find that that is very much what the AAIU reported, the problem is that when people bust these very clearly laid down rules that are there to AVOID crashes like this, organisations like the AAIU then have all the tedious extra work of trying to find contributing factors. And, of course, those comments are not 'for free', they are taken from information detailed in the AAIU report!
(You're not one of those 'limits busters' yourself are you?)