Not sure what you mean by the quote, because I did not take any stand in this case. I did not study the details, but my personal opinion is that in a war conflict any of the involved parties could shoot down a civilian plane both by mistake or deliberately. In my eyes, the biggest mistake was the presence of the civilian plane in this area, that was known to be risky.
All what I claim is that the wisdom of the woman is so uncertain and ambiguous, that the delay she experienced could easily be 20 seconds, as well as 10 minutes, and that what she told is in no way incompatible with her seeing a missile and hearing its explosion (which would occur around a minute and a half after spotting the climbing missile). DoradcaR305 concluded above that if it were minutes, it could not have been a missile. That's nonsense. Whether she truly saw a missile or not, is entirely different question, and I do not think we can conclude anything only based on her vague wisdom. I also see no reason deducing from her reporting that she saw a flame and black smoke, that it was a fighter jet.