Samba Anaconda
SA. Your attitude sums up all that generally was and obviously still is (in certain quarters) wrong in aviation.
You appear to be one of those Sky Gods, infallible, untouchable....
Your description of what you propose happened is so unfeasible, it beggars belief that you even work in aviation.
They forgot to top something up? It was almost certainly a scheduled maintenance task. They forgot nothing.
Hurriedly closed the cowls? Really? How about just closed them, as they would have done hundreds of times before? You can't really close them quickly! You just close them!
Why they were not latched correctly, there could be lots of scenarios. Maybe you could think of some?
LAME (and I bet you like that acronym?), chatting up the hosties (surprised you didn't call them Trolley Dollies or something else you see on here quite often). What a stereotypical world this is.
For any engineers out there, your post would be patronising and somewhat offensive.