The "holes in the cheese" argument is tripped out on every conceivable occasion. Sometimes it's valid, and sometimes it's not. It isn't just the non-aviators here who seem to coveniently ignore that good Captaincy and Airmanship will prevent the holes lining up. If you willfully ignore those 2 key facets to flight safety, at some point the "contributory factors" may catch you out. In this case no less than 4 of the most basic Captaincy and Airmanship gates were missed and the holes lined up. So stop blaming this amorphous factor and accept that poor training and decision making is still a key factor in aircraft accidents.