As usual the "Lame-stream Media" has missed most of the facts in this case. (Took 'em a week to just properly pronounce Costa! Prior to the incident the media and 99 percent of Costa cruisers couldn't have identified Costa's parent company, and now the media leads the stories as a "Carnival ship")

Anyway, this looks very much like human error, and thus the blame has to sit with the captain.

This link has AIS data with a voice-over from an expert:
http://vimeo.com/gcaptain/costa-concordia

14 minutes long, but worth the effort if you want to know the facts.

Pay attention to the time-lines from the AIS data. Lots of time for an orderly muster.

Going too fast, turned too late, tried to adjust, hit the rock. Simple physics unfortunately.