Crockett,
if you read through 56P's postings, you would find that he states" both pilots were capable an above average when the last Base check was done. He does not state that TWM is always an above average and capable pilot.
as for his debts and insurance covers, you will never get the exact picture from the place where he lived. But, everyone knew the history. Why haven't you read the statement from 56P when he states that "Tsu Way Ming's debts and insurance cover were considerably high".
There is no truth in stories being floated around about the F/Os capabilities or his part in the crash. I don't think there is any doubt that "If he was in the cockpit" he would have tried to save the aircraft and definitely given a distress call. Was he in the "cockpit" and alive, or was he out of the cockpit, is the only doubt existing