The PJ Tatler » Italian Cruise Ship “Runs Aground”
If computed draft exceeds charted depth then you are most assuredly aground.
The story of the merchant plowing through the CVBG I have heard of before. One story is that the COLREGS (International Regulations for Preventing Collisions at Sea) were changed to require a "proper" (trained human) lookout after one Ship's Master defended himself by claiming that his dog was the lookout but that a window (porthole) blew shut so he never heard the beast bark.
Just remember the last line of Monty Python's Life of Brian, "Worse things happen at sea."