The bigger question is why haven’t they found any wreckage.
I believe a mid air explosion/disintegration would leave a large debris field. Looks like this a/c hit the water in pretty much one piece. I would lean to pilot error or ROP op at this point.
IF it was pilot error it would have to be a biggie because whatever happened is being described as catastrophic and rapid. No emergency signal sent (and that’s a quickie). No calls from the flight deck. The only contact was with another plane and that was described as full of static and garbled...
I lean toward ROP throat cutting and then nose dive in as there is a struggle in the cabin