A Bizarro version of the truth.
Your first point was the best, and at the same time, shows the gaps in the thinking of those looking at this situation from a distance: both Kashmiri Hindus and Muslims have been deceived - correct - exploited by Hindutva - only partially correct.
The unpleasant fact is that New Delhi has interfered with Kashmir far more than with other Indian states, and the effects show.
The second unpleasant fact is that the collaborators were not dupes; they were willing collaborators, and earned fortunes for themselves in the collaboration.
The third unpleasant fact is that you named one family 'in particular' (yes, it does allow the special plea to be made that the intention was to use them as an example, and not to imply that theirs was the sole responsibility - nevertheless, the phrasing tells its own tale). It was not one family, it was not one faction, it was not one political party; it was an entire social class, that battened and grew fat on the fruits of the troubled situation. This includes both separatist and third-alternative leadership. Each and every one of them was complicit; their names are on the payment lists of both intelligence agencies, their guilt is written large on the landscape in the form of the superior accommodation for tourists that they have built. There is not one who is exempt from this complicity, whether they are on this side of the LOC or that.
Hindutva only contributed a foul stench to the existing situation; they did nothing new. Article 370 was a ridiculous survival of an anomalous constitutional situation, and should have been removed long ago; but it should have been removed by the will of the people, not by the brutality shown. The division into Union Territories displayed precisely the thinking that they have imbibed from those they profess to hate most, a superficial tactical cleverness at the cost of a loss of strategic vision and strategic perspective. They will fail horribly, but they will have added an additional large measure of bitterness to the situation. As is common to each and every one of their brass-faced actions, this too has lost its earlier support among the most rabid followers of the party in Jammu; other than the trading lobby, nobody has any longer any trust in these supremely stupid and supremely bigoted cartoons.
The Pundits ought to return; can they? Panun Kashmir are idiots who want a small sliver of land exclusively for their resettlement and safe havens; how will they protect it from the rest of the state, in the phrasing of the BJP, the rest of the union territory? Unless they dribble back in, in their twos and threes, and settle in quietly without a fuss, and unless their neighbours, who were so hostile, so bigoted that they were forced to leave, genuinely have a change of heart and extend the protection of the community to them, it will not work. Nobody among the present generations of Kashmiris hates them; that hate-filled, violent generation is gone, and good riddance. Only the Kashmiris can solve it, by themselves, and any efforts to deal with it through seemingly well-intentioned third parties is going to fail.
@jamahir