Respectfully, have you ever actually read an NTSB report? They're incredibly thorough and consider both causes and contributing factors through a number of lens

Respectfully, have you ever actually read an NTSB report? They're incredibly thorough and consider both causes and contributing factors through a number of lenses with an exclusive focus on preventing accidents from occurring. Also, they're basically inadmissible in court [49 U.S.C.§1154(b)] so are useless for determining financial liability.