Conspiracy theories are just that, theories.
What is known for a fact:
- The destination airport operates only under VFR/VMC
- Weather was well below VFR minima
- For all accounts, a 'napkin GPS approach chart' was used for performing an IFR approach to mentioned airport
- Loss of situational awareness at low altitude, trying to duck under the cloud layer lead to impacting the water surface in a descending turn.
Pending investigation will shed some light, but the facts are clear.
Was not the first, will not be the last one
Safe flights
BF