Pilot error, the cause of >90% of all accidents. Sorry to hear of your loss however, RTH has resulted in so many similar incidents. I’ve owned 5 DJI Quads, Phantoms, Inspire and a couple of Mavics, have flown >2500 miles with the only incident being my fault, in which I ran out of battery power after beng warned to return home, thinking I could out smart it and travel just a few moments longer. Ended up losing a Mavic in a lake, 1500ft short of its home point, after nearly completing an 8 mile run with a strong headwind on its return. Packed up my leftover gear, went home and ordered a new one.