The titanic had a sister ship called olympus which had been sailing for a year before titanic's first journey. IDENTICAL ships to the tiniest details.
The olympus were in an accident with some military vessel which badly damaged it. Even after major repairs it would still not be the same.
So what they did was - since the ships were identical - they swapped the ships and sunk the olympus instead and claimed full insurance on that damaged ship.
Then they repaired olympus (the actual titanic) and sailed that for many many years.
As a bonus they put every major player against the founding of FED on the boat. And made sure they died on the ship.
It's like 9/11. They don't care if bunch of people dies. In fact they do it so the official story seems more credible.
(sidenote. Jp morgan was involved.)