but maybe they wanted titanic to sink a member of my site asked me a question a few months back as he asked was titanic sunk be her company because he said this =
fire in coal bunker=left
no Binoculars= was told nothing done
they knew ice-bergs in area=still went full steam
and also WSL was going threw Financial problems=needed money 
Titanic insurance to pay of dept?
some extras that springs to mind as well 
but it just  could of been the story we no today the ``fateful voyage```
you do have a point and just for the record i dont belive it But I do think it’s a plausible scenario.  Lets put it like this
- Olympic hits hms hawk and badly damages both ships and possibly breaks Olympics’ back
- Olympic runs over a wreck and looses a prop blade.  Assuming her back was also broken she was even after the 1st collision an economical write off.
- with the Olympic a financial disaster the white star line need a way to pay of the ever increasing debts. 
- while the Olympic is in for propeller repairs, a near identical ship (titanic) sits near by
- white star hatch plans to switch the 2 ships.  All they need to do is modify the Olympic slightly to match titanic’s porthole pattern. 
-then letter heads, lifeboats and basic trivial items are exchanged. Not a lot needed to be changed because for the most part both ships used exactly the same stuff
-titanic, now named Olympic sails off and into active service. 
-Olympic, disguised  as titanic is then sunk in one way or another. 
- insurance collected, debt paid of, problem solved.
To summarize all this Olympic was a financial disaster for white star so with a sister ship sitting near by what better way for them to get rid of Olympic than by switching them and scuttling the ship in mid Atlantic