My theory relates to the following article:
http://www.ibtimes.com/malaysia-airlines-flight-spotted-maldives-examining-latest-theory-mh370-1562221
1. Catastrophic event (shortly after 1:19) results: Pilot programs route to nearest airport (WSW direction, lowered altitude); either failure of communications systems or pilots cannot communicate due to environmental or equipment degradation; transponder and ACARS (reports every 30 minutes) fail.
2. Pilots lose consciousness, nearest airport is passed, autopilot maintains direction and low altitude / low speed.
3. 6:15 AM Maldive-time (9:15 AM Malaysian time) MH370 passes low and slow over Kuda Huvadhoo in the Maldives. It has been flying about 8 hours. My opinion is that the articles only quote one person, and I would question that account’s accuracy for the plane’s flight direction. He said North to South-East direction, but I would hold to a West-Southwest direction – the same as it flew from Malaysia. The unexpectedly ‘late’ time of passing this position, I would say is due to its low altitude and slow speed over the entire distance after passing the pilot’s desired airport. The Maldives discount the report, but other than not seeing it on radar (it was too low), I didn’t see a reason. Multiple people were said to have seen the airplane.
4. I would suggest a search of the ocean in that same WSW direction from Kuda Havadhoo.
5. I believe that after this long of a search, that their current theories are institutionalized, and my simple logical theory doesn’t fit their current assumptions and working rules.
I am inclining towards your theory as well...