“Some people have no clue.”
At this point no one knows for sure with the information that is public.
The scenarios will narrow rapidly as more information is gathered.
Speak for yourself. I've seen the weather radar, and heard reports that they encountered severe turbulence. Have you seen what Andrew did to Homestead, or Katrina did to New Orleans? If the atmosphere wants to destroy an airplane it can. I've also heard reports of decompression, which would mean a hole somewhere; and then the plane would be extremely vulnerable to being finished off.
ML/NJ