A coal bunker fire was common during the period. The packed in coal would smolder and there was little the crew could do to put them out, since the smolder was inside the giant pile. Ships usually had an automatic sprinkling system to dampen the coal pile if it got dangerously hot. Passenger Ships were in virtually no danger from them. I assume the Titanic had such a sprinkler system.
I read once that all the bankers who were opposed to the Federal Reserve bank were on the ship and went down with it. Seems to be something that could be verified, if anyone had the time.