It's the second one (symptom of a general problem at the club).
The people who had the inside track on the Matete non-payment have, amongst other things, indicated:
We are behind on payments to the stadium consultants and we failed to pay staff bonuses on time.
As far as I'm aware, neither of those are going to see a statement from the FA or a subsequent story from the BBC. Which makes it very easy for some people to go back to their default position of 'go on then, prove it'. Which, for obvious reasons, they can't.
I suppose it then depends on whether you believe the posters on here who allude to things that won't be verified by a BBC story or a statement by the FA. I do. Because those posters were proven correct about the Matete thing. They also have track records of being correct on other stuff. And as fans of the club, I am happy to accept their motivation for sharing is to hold the club to account so that it can improve.
Even if you choose not to believe the bits above, then what about the other stuff in the public domain, and is that cause for concern that may point to a general problem at the club? Most recently, are season tickets on sale or not? Did we really publicly communicate one date for renewals, and then withdraw them from sale before that? Or, if we go back a year... then what about the fans forum that was promised by the end of the 2022/2023 season but was never delivered on time? The management at the club blatantly broke a promise on that one. I think we should be concerned about the club breaking promises to fans. What have the current regime ever done to make people confident that they're running our club professionally, or in the interest of fans?
Just yesterday, the club released a video of Buckingham talking about pre-season preparation, where he talks about how the preparation involves the coaching staff working together. He specifically name checks Amy Cranston (Head of Medical), Luke Taylor (Head of Performance) and Joe Moore ("Analyst Team"). So I think it's implied they are all important roles, yet he had to wait 3 - 4 months for Taylor and Moore to be appointed after he joined. Is that good enough? I don't think it is. Then if you look closer, the same people that were saying we were in the brown stuff on Matete, were also saying, at the time, that the club were dragging their feet on getting support in for Des.
I actually think there is enough in the public domain for people to conclude there are underlying issues at the club.