It is.
Because the complex “holes lining up in a swiss cheese” string of events that lead to two ships colliding are the same, unlikely, but statistically probable, events that lead to a Tower Block fire.
The question:
“How on earth do two ships, with radar, and look outs, and following Marine Maneuvering Rules collide”
is remarkably, really pretty much the same question as:
“How does a large tower block get engulfed in flames from an initial relatively minor fire, in the year 2017”