The cause of most crashes is human error. The tendency to blame anything else is human nature.

I have smushed three models beyond repair since 2002. All three were my own stupid fault. (One was a mid-air, but I take 50% of that as neither pilot had a spotter).

A high wing with dihedral will tend to fly level. A low wing will tend to flip on it's back to become a high wing - but then with no or opposite dihedral so it's not even really happy (aka static) then. Low wings are much more maneuverable - so a little error becomes a fatal error very rapidly if you input the wrong command (VERY common when starting out) with no help from the model to self-correct. A model flying at you will seem to be behaving opposite to control input during the first 20 flights or so. Survive them and you're on your way.