I lean towards the DEI and incompetence. While it would be a brilliant strategic attack scenario, so far nothing points to that having been the case.
All 22 crew were Indian, so probably incompetence more than DEI. Baltimore based Harbor Pilot had extensive experience in that specific channel. It appears the ship suffered an engineering casualty that caused loss of power and steering. It happened at absolutely the worst time.
I expect port authorities/Dept of Transportation will be reviewing tug operations, and in some cases will require tug services passing through certain passages the find vulnerable to strikes like this one.