Chronus
The question I pose is what failure(s) could have prevented the pilot from slowing the aircraft to the correct speed and also prevent a timely go around.
The high speed finals, nevertheless is the only tangible piece of evidence as to the cause of this accident.
Passenger distraction at the wrong moment leading to an RA in the circuit, possible wrong flap selection due to workload/stress, or un-noticed partial flap failure due to workload/stress, late decision to go-around.
Pace
I have seen situations where vastly overloaded pilots cannot even tell you their name.
As Pace said, once overloaded for whatever reason it is difficult to even recognise a situation developing before its to late, seen it many times as a sim & a/c TRE