In the logic of the time, it did not in fact make sense to have lifeboats for everyone on the Titanic, at least not to the people who regulated such things. It was constructed to be difficult to sink, they had radio, there were other ships on the route, and it was believed they needed only enough lifeboats to execute a reasonably prompt transition from one ship to the other that arrived in response to the distress call - and the other would have its own boats to help out. The "actual laws" in place at the time, Board of Trade regulations, required lifeboats for 1060, and Titanic had lifeboats for 1178 so it was in compliance. Such was the logic at the time - like figuring they could get away with doing a plugout test on Apollo 1 with pure O2 at 16+ psi. That logic turned out to be flawed. In the aftermath of the accident, the logic changed. Ships were later required to have lifeboats for everyone and to have regular lifeboat drills. Of the two requirements, the obvious easy one to check was implemented consistently, while the one that was less easy to check - not so much.
As to the Atlantic, its lifeboats were either smashed against the same rocks that held it as they launched them or were washed away by the waves. Many of those that survived were saved because one of the crewmen swam to shore with a rope and rigged ropelines for people to cross from the grounded ship to the shore. Only real lesson there is try not to hit the rocks.
I personally count on balance. A 10,000 year star-faring civilization with nobles and elites who pay premium rates to get from point A to point B is not going to be governed solely by people who want to put profit ahead of saving lives. Wrong people die at some point, and then the rulemakers and regulators step in. It's not very likely to be governed entirely by people who want to put lives ahead of profits either; people don't stop being people, and regulators can be bribed. Best in-game example of that is CT Double Adventure "Marooned/Marooned Alone". The liner has lifeboats. One presumes regulations require something that costs so much or the buyer would not have had them included, especially since there's general agreement among us at least that lifeboats on a commercial spaceliner are unnecessary, but it makes for a useful plot device so there it is - likely a relic of a time when some important people died in one of those very rare times when a lifeboat would have come in handy, so now everyone is stuck with them. Regulations also require survival packs for everyone (again, not clear why but it's a useful plot device). What we REALLY have, though, is a lifeboat with barely enough fuel to land and only a few of the required survival packs.
That tends to be the more common scenario: not a universe ruled by people who put profits ahead of lives so much as a universe with useful (and occasionally pointless) regulations that are sometimes negligently applied - sometimes because of people who put profits ahead of lives, sometimes just because of people who are lazy or shortsighted.