Surely the main underlying issue is the driver has had 2 SPADs previously. For most drivers that would be career ending. Why did he keep his key after 2 SPADs? The question must come down to driver management and why said driver wasn't moved to alternative duties earlier once it became apparent he maybe didn't have the aptitude for train driving (not everyone does).
Two SPADs would be very unlikely to be career ending in my experience unless they were of a particularly serious nature. I know drivers out there with more than 2 SPADs on their record.
Your post suggests that you haven't properly read and digested the report and you should be aware that all operational incidents are treated as circumstantial. If they indicate that there is a more serious underlying issue then sure they can be terminal but to suggest a long serving driver with personal problems and two SPADs on their record is immediately unsuited to being a driver is quite a leap.
One SPAD or other irregularity could in theory end a career in certain circumstances. Equally, it is quite possible for several to occur without the same result.