Hi James, unfortunately, it isn't that simple. As I posted in another thread, disasters seldom happen in a vaccuum but are preceeded by a long chain of events, each small in and of themselves, which finally lead to a lot of trouble.
Ismay: While I would ever confuse the man for a saint, were his attitudes really that different from those held by his contemporaries? Not really. Ocean liners had been operating for nearly four decades with little incident, so why shouldn't the trend continue? Why shouldn't they continue to think they could beat the odds when they had been doing it for so long?
Smith A jinxed captain? Jinxed how? He had his share of incidents, mostly minor, and that collsion with the Hawke had little to do with his own skills, so much as it did the hazards of navigation in restricted waters and a poor understanding of what happens when really large ships get too close to each other.
Insurance scam: Doesn't wash, but I suspect you may already understand that. A fact overlooked by the conspiracy theorists is that the Titanic was underinsured by 2.5 million dollars...which was not small change by 1912 standards. People intent on insurance scams don't do so with an eye towards taking a loss.
And how did the triple screw arrangement make the Titanic any more difficult to manuever then her contemporaries? The Titanic was not a warship and had no real need for the sort of agility assocciated with same. Merchent vessels are designed to carry passengers and/or cargo from point A to point B with maximum efficiency and minimal cost.