All control surfaces on the plane completely disabled after plane is on direct path toward downtown Milan.
Pilot unconscious or overcome by smoke, also after on direct path toward downtown Milan.
Keep in mind that any accident scenario also would have to explain why the aircraft could not have been directed away from the city during the time after the pilot discovered a problem and radioed in the distress call. I don't have many facts about the incident but most any pilot would instinctively avoid a flight path over downtown at the earliest sign of trouble, wouldn't they?
Add to that the probability of center-punching the tallest skyscraper in town, which just happens to be a government building and a financial center, entirely by random chance, and I have a very hard time feeling comfortable with this being an accident. Sure, it's possible. So is winning the lottery, and 3 people just won. But it's highly damn unlikely. I remain unconvinced. Tinfoil ON.