I was a surface sailor in the USN. I saw collisions, fires, electrical shocks, people falling overboard. Being at sea is dangerous. For some of the reasons why this could happen, read this blog from a former destroyer captain: How Could This Happen? The Fitzgerald, the U.S. Navy, and Collisions at Sea
Thank you for providing that article, Mr. McGrath explains with experience the factors which could be involved, food for thought but we just can't be certain until the inquiry is complete.