Not wanting to pour cold water on your fun but my professional civil structural engineering experience of over 20 years indicates a mixture of

Ignoring procedures , method statements / cutting corners

Poor maintenance

Poor training / inexperienced people "at the coal face"

Bad luck : several bad things happen together or closely spaced : Swiss Cheese concept but should be planned for.

Any vessel that size is not suddenly going to stop or turn / change direction even if it had full power - conservation of linear momentum.

Take away power, hence steerage capability they are going to be stuffed: everyone / thing else needs to get out of their way.

I am a believer in cick up theory until no reasonable doubt exists for malign, external influences.