>>How do you explain that the Titanic was not sunk but the Olympic is lying at the bottom of the ocean<<
Why would we want to explain something that never happened? The whole proposition for the reasons already explained is patently ridiculous, and the whole insurance fraud angle is one of the most glaring of the fatal flaws.
While externally similar, the Olympic and Titanic were sufficiently different that making one look like another would involve a refit that would take several months and would be bloody expen$ive to boot. Anybody who thinks that the 14,000 people in the shipyard would have kept quiet about that doesn't know what an outstandingly lousy place shipyards are for keeping secrets. Word gets around mighty fast in these places.
Further the Titanic had only $5,000,000 of her $7,500,000 value covered by outside insurance companies with the remaining $2,500,000 covered by their own in house insurance fund. This at a time when $2,500,000 was not chump change.
Why would White Star perpetrate a fraud against itself?
Contrary to what Robin Gardiner would have one believe, the damage to the Olympic just wasn't that grave. Far from being tied up for months, she was out of the yards in just a few weeks.