It sounds to me like failure to observe a lighthouse intended to mark this particular danger, failure to observe islets on the reef, failure to observe breakers on the reef, and failure to head the warnings of park rangers that the ship was standing into danger, are the true causes of this incident. I suspect that the alleged inaccuracy of electronic charts had very to do with this.
I’m not interested in scapegoats. I say let’s dock the pay of all admirals by 10% until the full cost of this incident is covered.