"What really happened back then is up to interpretation, but common sense tends to guide many on who they feel is correct. Try getting into an online debate and both sides will vehemently defend their point of view. Where do you stand on this issue? That’s up to you. A lot of it depends on what and who you value."
I agree with this. My common sense is simply "cui bono" [Who benefits?]: "Why is there a mystery about the credit?"? "To whose benefit does this mystery exist?"
And the answer is that the mystery about the credits exist because of Stan Lee. It was in Stan Lee's power, and Lee's power alone, for clarity to exist and he instead obfuscated, denied, and spread misinformation about it because the mystery or the answer "we'll never know" will always bail him out. Since it is was to his benefit, it seems to me that he cannot be regarded as the protagonist or center of the generation of these stories.