So it’s been a few years since I watched Titanic and always assumed that Ruth was in her 60s but she’s actually late 30s/early 40s. So she could have also got re-married (less likely but still a possibility.)
I know I’ll get flamed for this but I don’t think Cal was an outright villain. He did attempt to connect with Rose and love her but for his fiancé to be socialising with people in third class (when social standing was huge) and to blatantly cheat on him very openly then you can see why he’d be pissed off.
Also I’m judging him by Edwardian standards and not modern day. Obviously he did acts that made him a “bad” person as well.