Dali container ship seems to be insured by Lloyd.
Before 2022 Lloyd premiums from ship insurance was at around two dozen billions a year. Today, after unsealing that thing in maritime law that allow ships be insured by state of registration backed insurance company, Lloyd already lost billions of their premiums, so current sum is much lower.
Baltimor disaster estimated up to dozen billions. Since ship was a cause of distater, Lloyd have to pay that and it is significant sum that could bankrupt Lloyd, at least in ship insurance area. So they will have to borrow money from other branches. But that's not looks good too.
Total Lloyd premiums are around 60 billions a year. Let's assume that half of that sum used for Lloyd realty bills, salaries, top managers pockets filling and all that stuff. Then there is 30 billions for insurance payments left which is presumably enough to cover usual yearly insurance payments. And nearly half of that sum suddenly had to be paid for Dali fuckup.
Assumption about a half of premiums for business expenses and salaries is just an example, but the point is that premiums total is divided into two parts - the average insurance payments and other part goes to expenses, salaries and profits. Since any large corporation is purely socialistic inside, they have strict central planning about all that spendings. And sudden insurance payment of such magnitude will inevitably destroy or at least seriously harm them.
Current unusual promise of US government to cover all costs is an attempt to save Lloyd. But as far as I know, no third-party payments void the insurance case, so insurance company should pay, just because case happened. That's what in insurance contract.
Or, may be it is kind of taxpayer money laundering - tax money paid for covering disaster costs and Lloyds insurance payment of same sum goes to private pockets. Why not? - war is even less profitable, and things at current war already looks bad for the thieves. There is a dozen billion in just one bridge. I think there is a lot of bridges around to destroy. 100 bridges is a trillion of taxpayer money to steal. Along with destruction of supply chains and limiting that awful CO2 pollution from ships.
PS: Yes, I know about Ukrainian captain. And Ukrainian(UK) elites obsession with Kerch bridge. But I also know that shit and coincidences happens. I don't see any Ukrainian track in that case.
It should be harbor stuff who guide the ship out, not captain.
And his name is Sergey, not Ivan. :) But your hypotesis looks valid. You could develop it if you like.