Until the report of investigation becomes available some months from now, all is conjecture, anecdote, BS.

The only item that now seems certain is that the ship went off the charted course, according to satellite images, veering west towards Isola del Giglio. (BBC News).

No black box data will be revealed to the press.
Why the ship ran aground is not known.

All else seems to be speculation by passengers and crew members who were not part of the bridge, thus not party to navigational or instrumental information.

The captain says he was not at fault. The company official in an interview said it was human error and seemed to imply that it was on the part of the captain. What else would you expect them to say?

There will be legal actions on the part of the company, insurers, passengers and crew (Those on contract involved in entertainment, etc.).

My wife enjoyed cruises, but never were on board a vessel of this size. Some 3800 passengers plus a large crew (many on short-term contract), it seems to me, cannot be safely managed in case of accident.

In any case, I do not have any stock in Carnival (the overall manager of this ship and many others), which dropped some 20 percent, nor did I have any friends or relatives aboard the ship, so I will not lose sleep over the accident.