It all comes down to physics
National Transportation Safety Board (NTSB) drone image of Francis Scott Key Bridge and Cargo Ship Dali
In hydra77's thread about the cargo ship crashing into the bridge, two comments in particular stand out. First, automatronic’s experience gives a look at the various issues of of maintaining and running a ship. Then WaylandSmith notes the physics involved that caused the collapse. Fascinating and enlightening information!