It seems fairly cut and dried now CLKD. It's not just "speculation". The plane "appears" to have been intentionally crashed. Whether this was because the co-pilot was on a suicide mission, or someone else was in the cockpit with him, still remains to be established, although the co-pilot was known to have issues with depression.
In a way it's a relief that it doesn't appear to be a fault with the plane, but on the other hand, the fact that there is a possibility that a pilot can possibly murder so many people is frightening. However, it's not the first time this has happened, and it probably won't be the last.
The pilot left behind in the cockpit can override the key pad outside by flicking a switch to lock the door from the inside. This was intended to be a safety precaution to keep out a terrorist who may be able to get the combination to the keypad from the cabin crew. However, on this occasion it hasn't worked in their favour, because it has kept out the very person who could have saved everyone. So sad for everyone involved.
This is the reason I refuse to fly anymore. I know people say you have more chance of being killed in a car accident, but you also have a good chance of surviving too, especially with modern cars. Rarely does anyone survive a plane falling out of the sky. Also, a car accident is over within a few seconds, so if you're going to die it's probably not a bad way to go. However, it can take a long time for a plane to fall from 30,000 feet, and that's a long time to think about what's going to happen to you.