skyhighfallguy
How do we know the engine quitting didn't also somehow cause a stroke or other health concern to rear its head causing the pilot to be incapable of flying the plane.
We don't.
YES, we should all know what to do if the engine quits at any time. But if you have ever taken off from airports surrounded by urban scene there simply isn't much choice.
Coping with such an emergency (and flying in general) is much easier when sitting at a keyboard.
Courts have made adverse findings regarding the manner in which pilots/crews have dealt with an emergency/malfunction but it depends very much upon the circumstances.
An example here:
http://www.pprune.org/aviation-histo...-bradford.html
NB:
The facts were very different.
In this example, the Judge's findings against the crew did not determine the outcome of the case.