The Belgian gov'ment isn't a natural disaster?
Officially not.
Also, I'm not sure if this bit is true, but I heard once that if Titanic's captain hadn't tried to avoid the iceberg and instead hit it head on, the damage would've been reduced significantly, due to only the front compartments breaching and not a whole host of compartments along the side.
It might have been. It would have destroyed the forward compartiments, and then it depends on how the momentum impacted on the rest of the ship's. The most probable event is the complete destruction of the first 3 compartiments, which is stille fairly reasonable.
There are however several scenarios that would have allowed the Titanic to escape with survivable damage. As it is, the ship first turned away from the iceberg to make sure the ship could pass, then turned back towards it so that the back could pass. This caused the front to scrape past the iceberg. If it hadn't done that last maneuver, there might have been some engine damage, but the ship would have been mostly intact. Or, if the manoever wasn't succesfull, it would have caused the entire ship to scrape past the iceberg. (Latter being more probable)
After all, the poor riveting was only present on the ship's bow, as the machinery used to place it didn't fit inside, forcing the workers to do it by hand. Hence they decided to use iron rather than steel, because that was easier to handle. Sadly the added to much volcanic thingies*, causing the bolts to weaken further.
*I think that was what it was
PN: The captain wasn't present on the bridge at the moment of the collision, IIRC