Goodness, what a lot of speculation & conjecture-along with a handful of helpings of vindictive nastiness.
This yacht sank because of what insurers classify as an 'act of god' (regardless of what anyone's personal position on god is)!
The Italian system clearly has a process to investigate any and all lines of inquiry where there is interaction which may give rise to circumstances of manslaughter.
As a UK flagged yacht, the MAIB will also need to conduct a full investigation and report.
It is deeply unlikely that a bunch of non-specialist gossips on Mumsnet will be the ones to get to the bottom of this!
But for the avoidance of doubt - the captain may have done nothing wrong. The crew may have done nothing wrong. And the builders may have done nothing wrong.
If the keel was partially up, that may have been a contributing factor. If watertight compartments were left unsecured, that will have been a contributing factor.
I've found some of the comments about waking guests & having them sat around on deck for hours in life jackets almost laughable - even from some of the Italian investigators/builders. Do you have any idea how many time guests on a superyacht will go to bed with a storm front of 50 knot winds forecast, the yacht drags anchor a bit - and all they know about it is that they wake up in a different, incredibly beautiful bay? Often enough!
This storm front contained an extreme weather incident of some kind which created a direct hit (which didn't directly hit another yacht within half a mile). We don't know that the captain didn't have the engines on trying to prevent the anchor from further dragging.
We don't know what structural damage may have occurred on the starboard side the boat is resting on on the seabed - which the divers can't assess.
We don't know whether the keel WAS fully deployed but folded up somewhat as the boat settled-this seems perhaps less likely, but is still a possibility.
Even if the keel wasn't fully deployed, there may be reasons, including 'the boss' asking for it not to be all the way down because of how it makes the boat behave at anchor (affecting swing circle size, movement and jerking at the edges of the swing). We DON'T know.
Investigators will ask the questions to try to find out.
Some suggestions will come out of the investigation (which may or may not include additional rules on securing matresses; weight/volume limits of unsecured furnishings per cabin; linked speakers & emergency button for a muster alarm the same as you have on a ferry; and/or rules about when everyone on board MUST be woken & mustered - so the next poor sod who tries to do the right thing & wakes the guests at 4am to sit around with life jackets for 3 hours isn't just fired for "ruining their holiday for no reason").... you can see that the judgement required for the decisions taken at the time are well outside our sphere of understanding because WE WEREN'T THERE at the time.
Please let the survivors get on with their recovery (as traumatic as that will be). There are so many holes in the few facts which have been reported in the press (even the timeline is unclear, with poor witness accounts and potentially offset CCTV timestamps).
To gossip is human but you WILL not resolve answers here.
Let the investigators get on with their investigation.
And if you dwell on anything, perhaps let it be what you personally can do to reduce your personal fossil fuel footprint, so the power of extreme weather events such as this can at some point eventually start reducing, too!