The companies responsible for the Dali were guilty of gross negligence, particularly when it came to the electrical systems of the ship. This settlement will go a long way to making sure taxpayers aren't footing the bill for the damage these companies caused. Further litigation against the companies will hopefully do more to hold them accountable and send a message throughout the shipping industry to do better.
Regardless of what was specifically happening with the operation and maintenance of the Dali, the government is going to need to do more to prepare for cargo ships that are growing larger every year. Protecting infrastructure and streamlining the process for rebuilding it must be near the top of the government's priorities list.
There's a 50% chance that Baltimore's Francis Scott Key Bridge will be rebuilt and open to traffic again by July 2028, according to the Metaculus prediction community.