Whoa!!!!! No nuetral stance here, eh Jennifer?
Seriously, the "luxury" really had nothing to do with it. Compared with other ships either in existance and under construction, the Olympics were a study in restrained good taste by comparison. (Which see the German Imperator and some of her near sisters. Talk about going overboard with style!)
There was no small amount of complacency at the time either. There hadn't been a serious loss of life on the transatlantic liners in nearly forty years by that time, although there had been some losses. The RMS Republic for example. The kicker there was that there was plenty of time to evacuate everybody safely from the ship befor she went down. Nobody conceived it would work any other way until the Titanic tried to play tag with an iceberg and lost!
Bruce Ismay's responsibility; Hmmmmmmmmm....there is evidence that he egged Smith on, and I wouldn't be surprised if he had some influance that was a factor. Any mariner will all too ruefully attest that owners are best left on the beach for that reason. They're notorious for sticking their noses where they don't belong!
Barring that, I suspect that had he not been aboard, the outcome might very well have been the same. The Titanic was working herself up a little faster every day which was pretty routine for the time and running with the pedal to the metal in nearly all conditions was an all pervasive practice of the time. One that ultimately had tragic consequences.
Regarding the boats; that's a big maybe. Had there been enough and everybody properly trained, I think (Very subjective opinion here) they would have fully loaded the lot. The problem was that of the twenty boats the Titanic
did have, they only managed to launch 18 of them befor the ship foundered. The last two...those collapsible which were unwisely stored on the roof....ultimately ended up being floated off.
All this goes to show that while lifeboats are nice, they aren't the cure all solution we might wish they were, and in the end, the killer was bad navigation practice.
Hope this clearifies some things.
Cordially,
Michael H. Standart