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“Can’t blame it on the government. They did not need to be told that there should be enough lifeboats for everyone on board.”

Exactly.

And there is no reason to believe that if there were no regulations the shipbuilder and White Star would have provided enough lifeboats.

The article states that the original proposal included lifeboats for all on board but that was nixed because the Board of Trade was considered the authority in the matter and there was no need for more. So it's very possible in the absence of regulations that things would have been very different.

On the other hand, Britannic had more then enough lifeboats, and complete bulkheads to the top deck yet she sank FASTER than Titanic. The speed of the ship going under and the extreme list made half the lifeboats unusable.

Again, government regulations won't save you. The idiot captain of the Costa Concordia showed that regulations can be ignored. Regulations do create a lot of paperwork and at times can distract from real safety issues: