Why Did The Titanic Really Sink?

This one goes into the alternate story of why the Titanic sank. Most people believe it to have simply been a tragic accident. I tend to operate with the idea of the latin phrase "cui bono" or "who benefits" when something big occurs. In the case of the sinking of the Titanic, some people did benefit greatly from the event. The Federal Reserve system in the US was born less than 2 years after the sinking. Aboard the ship were 3 individuals that were very powerful and very much against the formation of a central bank system. Notably not on the maiden voyage was the owner of the ship who mysteriously cancel his tickets shortly before the voyage. This person was instrumental in the formation of the Fed. A lot of coincidences here. Enough to make an intelligent person say hmmm.