I know about all those things. You're not telling me anything I don't know. I have attended many Human Factors and CRM sessions.
Of course there's several factors in any accident. James Reason is famous within aviation Human Factors training for his Swiss Cheese model.
The pilot is the last line of defence in many cases. Unfortunately from what I can tell the last line of defence failed in these two accidents where it hasn't on several similar incidents elsewhere. The question has to be asked. Why?
I'm sure we will find out in due time