"When you hear hoofbeats, think horses, not zebras."
If you look at DAN fatality reports, medical events are by far the biggest category for scuba fatalities. Then there are the cases in which a diver's body is found with no clear cause of death--a medical event is still most likely the cause, but there is no way of knowing.
A friend of ours is dealing with the grief of having her 41-year old son, fit and with no record of serious health issues whatsoever, die of a heart attack. He was driving the car, passed out, and never regained consciousness. (His son in the passenger seat prevented the accident.) It is rare that a young, fit individual can succumb this way, but it happens.
I see that you are frustrated by claims of medical events shutting down discussions on causes of scuba fatalities. I am frequently frustrated by the opposite. In thread after thread after thread, I see speculation on possible bizarre circumstances leading to the diver's death, when to me the description fairly screams "medical event."