In other words, people who state 'facts' when they actually are stating their opinions.
Well, from time to time what "everybody" "knows" "must" have been the cause turns out actually to have been the cause.
But I certainly remember one accident where "everybody" "knew" that the cause was overloading, and the discussion seemed to be assuming that this was wilful rather than a miscalculation, ... but it turned out that the aircraft
wasn't over MTOW, and the engine power was lower than it should have been for mechanical reasons that the pilot couldn't reasonably have been expected to know about.