What follows is purely speculation  - using hindsight, a degree of guesswork and
    factors that were not considered directly relevant by the accident enquiry. 
Given the great experience of the crew it is extremely difficult to accept that the
    Captain acted in an irresponsible or cavalier way - he had flown the route 90 times
    in the last year and had just passed an instrument landing check.  However planes
    just don't fly into hills, and the weather seems to have been a major factor. 
Logically, the crew must have been deceived as to their exact location, and theories
    for this are reasonably easy to construct.  However there is a much wider aspect
    which the enquiry considered at length but did think relevant to the actual accident
    :
- how could an airliner on a short domestic flight between two local airports, be
    flying on the limits of operating procedure where a matter of seconds would mean
    life or death to fare paying passengers?  
- and why was this permitted when the authorities knew these bad weather flights
    were taking place?
Given that the plane was in the air that day, there are three more questions:
 - given the visibility was forecast at a minimum of one mile at 600 feet, why did
    the crew not see the coastline and avoid it.
- how could an experienced crew have been misled into flying the plane into that
    position.
- what could  possibly have persuaded an experienced pilot, described as 'meticulous'
    to take this course of action when only hours before he had declined to attempt the
    same airfield because of the reduced visibility. 
- Was the reportedly furious argument 
in the crew room with a more senior pilot the reason for the decision by ZB's 
Captain to fly under the cloud?  Given the airline's standing orders that 
diversions were not permitted until an attempt at landing at the original 
destination had been made, was the argument about the advisability of making 
such a risky attempt when it was known to be dangerous.
It doesn't seem to make sense.