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I once caught a cab in Belfast and, in the 15 or so minutes, the driver revealed he was a former paramilitary fighter, and recounted a conspiracy theory about the sinking of the Titanic having been faked as an insurance scam.
They really went the extra mile on the scam to put a boat on the bottom of the sea. Say what you will, but you gotta give it to them for their commitment to the bit.
It's especially high-effort considering that the front fell off and is now nowhere near the rest of the boat.
Ive heard the world bank/some kind of monetary policy theory, but I don't think I've heard the insurance scam before.
1: Sell a bunch of tickets
2: Sink ship
3: Insurance pays out the finished value of the ship, obviously greater than building costs, plus you still have the ticket sales.
4: Guaranteed profits! Invincible even!