I agree that that is a likely source of the cloudiness, but I don't think incomplete fixing is likely to cause the emulsion to rub right off a modern film, unless the films were actually put away wet. The OP says that they develop carefully at 68 degrees; I may be splitting hairs here, but that doesn't tell me about the temperature of the wash water. If you wash in running tap water, it is sometimes easy to lose control of the temperature. Hot water could physically damage the emulsion.