I'd say anybody who doesn't know about the first one doesn't know the first thing. Those passengers thumbed their noses at those warnings. She could outrun the subs, and if Vanderbilt, et al., was on her, that's good enough for them. There's the attitude, in a nut.Also that the German Embasy posted plain warnings of the submarine warfare potential and equally honest were the British warnings to the passengers that the "passenger" liner was loaded with 173 tons of munitions.
On the second one, where did you get that from? As far as I know, that's still shady, speculative.