So apparently the reason they don’t just go for it is due to insurance. Because Iran technically isn’t suppose to just sink a civilian vessel, but the risk is there so the ships are ordered by the owner/stakeholder not to go due to the insurance coverage. Kind of interesting, they could technically call Iran’s bluff but it would mean, they violate the insurance contract and lose coverage? I’m just reading about this so probably not the full picture.
No insurance has been fixed for a while now. Its as simple as shipowners not wanting to lose their boats and their future earnings potential.
The capability is very real. And they don't have to sink the ship, just one Shahed drone exploding on the deck and injuring/killing a sailor is deterrence enough.