We know the lab was aware of RaTG13 - they produced a sequence quickly that no-one else had seen. I know nothing about the situation but it would be interesting to know where exactly the sample was being sequenced. I doubt they did it in the mine, samples must have been transported to some lab.
I used to think 99% chance zoonotic, but the fact the similar virus was known to the lab was enough to drag me to thinking it is probably a toss up. Lab leaks do happen, this lab was studying bat coronaviruses. It is possible.
One theory is that people mine bat guano from caves, so there's no need for them to ever touch a dead bat.
A human generated virus wouldn't be similar in this way to a wild one. You would take a candidate virus and splice in genetic material from a different one. The new virus would match 100% in most places and then be completely different in a few places.
A small counterpoint though -- the market is the Huanan market, i.e. specialising in south china sourced or styled food. I would not be surprised if some exotic animals were there but never admitted to.