I would argue that we should look at systems-level explanations. The human factor is so glaring we can get caught up in it. There are what, 50?, high speed trains in movement in Spain at the same time. Even GPS + Starlink + 1 monitor (is that 50k€?) could have prevented this. But it happened, and the question is what is going on with train security in Spain in general for people to (be able to) make such decisions.
The current control system dates from the early 90s. They started rolling a modern system with more redundancies and automatic blocking in 2022 but it's still not fully deployed.
Trains are still not able to assess properly where they are, even using satellites and inside train sensors. Of course there is research on that, but it's still an unsolved problem. (Current alternative is to put markers in the track, but that's also expensive at scale.)
After learning about a sufficient number of such "accidents" I'm now convinced the cause is never "operator error", it's always a system error. It's the humans that design (or oversee their design and implementation of) those systems that are at fault.