I think that both theories are valid.
Replacing time-proven mechanical systems with "gee whiz, so kewl" electronics is asking for trouble. Yes, both your car electronics and your computer USUALLY work. But sometimes they don't. And when they don't, it is a much bigger problem to gain control in an emergency, and to diagnose and solve a problem, than if it was a mechanical problem.
With electronic systems and steering wheel ignition locks and other "smart" features and gee-gaws and other interlocks, your control in an electronics emergency is greatly diminished as compared to older mechanical system cars.
As to driver cause problems -- most all cars today have automatic shifting transmissions; there are only two pedals. Those can often be confused, especially during momentary stress.
Furthermore, in some cases, people ride the brake pedal with the left foot and the accelerator with the right. That can lead to trouble.