Unless there's a worldwide conspiracy by civil aviation authorities to suppress or alter aviation accident data, virtually all incidents have a very large human factor component to them. Competent and well trained crews can fly themselves out of most problems. Aloha Airlines Flight 243 landing with the fuselage ripped open. Sully landing the A320 in the Hudson with no engines. Countless others. Yes, there are a small number of incidents where pilots have no chance no matter what. But a lot of the bad incidents we hear about, while involving a system failure, are recoverable. Air France 447 was a pretty good example. A complex problem compounded by multiple system failures and finalized by pilot error.
The pilots on this plane were supposedly well qualified and Malaysian has a good record. This accident will likely be attributed to terrorism, or a non-terrorist event like a fast on-board fire or catastrophic structural failure. The supposed U-turn, if it really did happen, could indicate a crew beginning to deal with an on-board problem that got ahead of them too fast. See Swissair 111 and the UPS 747 freighter crash in Dubai.