I was just watching Titanic and spent 20 minutes looking up the effects of hypothermia and discovering that Jack may have been alive and in stage 3 hypothermia when Rose let go, and because he sank instead of floated, he was in fact alive. It was a fun little time sink. What rabbit holes have you done down recently?
This is very interesting, but the conspiracy is almost certainly untrue. Titanic and Olympic had a lot of differences between them that wouldn’t be easy to switch. Additionally, the circumstances of the wreak don’t really lend themselves to insurance fraud, there was very little deviation from standard procedures of the time, though those procedures would prove woefully inadequate.
All these points are correct and there exists photos that support that Titanic looked quite different before she set off.