As a physician who is a pathologist and medical examiner, death certificates are one of my main work products. Plus, I review many more DCs than I produce, as there is a law in the jurisdiction where I work that all DCs must be reviewed by an ME. What the OP seems to ask are two separate but related questions: 1. Can people die of “old age”? and 2. (perhaps reading between the lines a bit) Are DCs a reliable indicator of actual “cause of death?”
Second question first. The short answer is, on the whole, No. The OP mentions that he/she sometimes has trouble understanding the causes of death listed on DCs. What I would say is don’t be too hard on your intelligence. A lot of times those causes of death don’t make much sense. Completing death certificates, per my estimation, is one area of medicine where people (i.e. physicians), who as a group are usually highly compulsive about doing things right and proper, seem to give themselves license to produce work of very poor quality that is often incomplete, illogical, and meaningless, and not infrequently misleading. Of course, that is not always the case, probably not the majority, but it is common enough to make the data very messy and not really reliable as a whole, and to give reason to at least question any particular DC.
As far as dying of “old age” goes, the conventional wisdom in medical science, and as reflected in previous posts here, is that it doesn’t happen. There always has to be some intervening “pathology.” Well, being a dutiful pathologist, I used to agree with that, but now I have to confess I’m not so sure. After doing hundreds and hundreds of autopsies on people who have died from all manner of causes, what I can say is that occasionally, not too infrequently actually, you do an autopsy on an older person and there is no clear cause of death. Yes, they may have identifiable pathology in some or maybe even all organ systems, but none of it clearly rises to the level that I can unambivalently point to and say, that’s it. And then sometimes they have no significant pathology, none that I can identify anyway. So you might look at the story of how they died to get some clues. Nothing there either. They were just found dead in bed. Or occasionally they were witnessed to “stop breathing”. Everything seems like a natural death, with an internal cause. But what was it? What caused the whole system to shut down? It’s a mystery.
The flip side is that I’ve also done plenty of autopsies on people in the same category, older people who have the same level of disease, or nondisease, and who died clearly unnatural deaths: Hit by a car, gunshot, tripped and fell down some stairs. All indications were that they were doing just fine, in their customary way, right up until that sudden and most certainly external fatal event.
How to explain this discrepancy? Maybe the first person had some pathology that I could not, or did not, identify. That’s possible. Perhaps a better pathologist would have found it. Maybe so. Or perhaps it can’t be found, not using the tools we have at our disposal. So what we need is better tools. Maybe. Maybe it is some pathological condition that we haven’t discovered yet. If I ever identify it, I can name it after myself. That’d be nice. Or maybe we are getting to the limit of what can ever be known with any certainty when dealing with a complex biological system. A sort of autopsy uncertainty principle. If so, why not just consider it “Old Age?”
FWIW, in my review of DCs, I see plenty (although a small fraction of the whole) that do in fact list “Old Age”, either verbatim or some equivalent, quite frequently. “Senescence”, “Failure to thrive”, “Undetermined Natural Causes” or just “Natural Causes” are some of the alternative wordings. As long as the person is above 75 or so, and there is no reason to think the death was due to anything other than natural causes, I let it pass. But don’t tell anyone.