If company culture doesn't strictly enforce callouts 100% of the time, it's easy to get into a routine of everything being just fine 100's of times until it isn't.
Really these sorts of things show there should be a failsafe mechanism that provides tactile/haptic feedback to the pilots if the other inputs are "fighting" theirs.
Even an audible alarm isn't enough, as you'll likely get more than a few of those during events where it matters.
Proper CRM of course should make this "impossible" - but in high stress moments any more layers of swiss cheese you can add the better.
I have no idea why the pilot-monitoring would have taken his controls. Or why the pilot-flying wouldn't have called him out for it. Possibly a seniority issue - we've seen similar issues before. Hopefully the french aviation authorities can determine the root cause.
This was not AF447 so what on earth happened? I'm guessing inadequacy of some sort and that's on the industry as a whole.