I agree that's what the FA article says. Anybody who really thinks that's the start and finish of the topic is standing there with their fingers in their ears s

I agree that's what the FA article says. Anybody who really thinks that's the start and finish of the topic is standing there with their fingers in their ears singing "la-la-la I can't hear you". The real world is a complex place. It's rarely possible to point to a single cause of anything.