Which is to say, what's your alternative for a better explanation? (other than the "cui bono?" one, that is).
This is an argumentum ad odium fallacy
also known as "never attribute to malice that which can be explained by incompetence", which to my gut sounds at least as likely as a cui bono explanation tbh (which is not to be seen as an endorsement of the view that cui bono = conspiracy...)
> Never attribute to malice that which is adequately explained by stupidity (1), but don't rule out malice. (2)
Nevertheless I agree with you and think (2) is wise to always keep in mind. I love Hanlon's Razor but people definitely should take it literally as written and/or as law.