The film "Titanic" is riddled with moral dilemmas. In one of the scenes, the owner of Star Line, the shipping company that owned the now-sinking Unsinkable, joins a lowered life-boat. The tortured expression on his face demonstrates that even he experiences more than unease at his own conduct. Prior to the disaster, he instructs the captain to adopt a policy dangerous to the ship. Indeed, it proves fatal. A complicating factor was the fact that only women and children were allowed by the officers in charge into the lifeboats. Another was the discrimination against Third Class passengers. The boats sufficed only to half the number of those on board and the First Class, High Society passengers were preferred over the Low-Life immigrants under deck.
Why do we all feel that the owner should have stayed on and faced his inevitable death? Because we judge him responsible for the demise of the ship.
Additionally, his wrong instructions - motivated by greed and the pursuit of celebrity - were a crucial contributing factor. The owner should have been punished (in his future) for things that he has done (in his past). This is intuitively appealing.
Would we have rendered the same judgement had the Titanic's fate been the outcome of accident and accident alone? If the owner of the ship could have had no control over the circumstances of its horrible ending - would we have still condemned him for saving his life? Less severely, perhaps. So, the fact that a moral entity has ACTED (or omitted, or refrained from acting) in its past is essential in dispensing with future rewards or punishments.
The "product liability" approach also fits here. The owner (and his "long arms": manufacturer, engineers, builders, etc.) of the Titanic were deemed responsible because they...