Now hear me out... It was Jewish Lightning

It's sister ship, the Olympic had been too badly damaged to repair so White Star, the shipping company decided to commit one of the largest insurance frauds in history. All they had to do was switch out some placards, change the name on the bow and put up some new drywall. (Okay fags, horse hair plaster or whatever)

The English economy was so reliant on White Star that the loss of the Olympic would have bankrupted the nation.

https://theunredacted.com/titanic-conspiracy-the-ship-that-never-sank/

Also it would have been the perfect opportunity to kill off any enemies of the federal reserve on board