Also stopping distance for trains is huge. This video for high speed trains says 5km (3mi) https://www.facebook.com/Renfe/videos/%EF%B8%8Fcu%C3%A1l-es-... That is probably at full speed, but IIUC the accident was at half speed so the distance should be like 1.2km (0.8mi).
The driver also could have refused the order to drive at normal speed, and instead follow the protocol which caps speed to 40km/h in situations like these.
The aviation industry operates like the railway industry ~1920 (somewhat by necessity).
> You wouldn't drive your car into a lake just because your satnav tells you to, would you?
You are assuming a train driver is equivalent to a car driver. He's not, the analog would be more a repairmen that you always take with you on journeys.