I can't recall which charts Expedition comes with, but you typically load higher res versions (usually Cmap) for the areas you are going to sail. My version was used for PacCup and we had higher res charts for the eastern Pacific, west coast and Hawaii. In my Expedition copy for the Mauritius area, it is covered by a very low res Background Cartridge WW-M000.01 v2.00. Not sure if I acquired that or it came with Expedition but I would expect the VOR teams to have a lot higher res.
I have run aground more than once and know that shit happens and that yes, it is usually human error compounded by some complicating circumstances (one time, I hit a coral head when the chart said we should have 18 feet, the boat draft was 6'). I wouldn't point the finger at anyone until the details are known. Thankfully, no one was hurt.
Below is what my version shows at increasing zoom levels. In the middle picture, the reef is on the right side. I included a piece of Madagascar to get a sense of scale. In the zoomed version, you can see a depth of 20 meters well south of the Cargados Carajos shoal. Zooming further does not show any additional definition to the Shoal. I would not sail through this area without a higher res chart and I am sure the VOR teams have far better charts.
Relatively immaterial wrt digital or even paper charts.
I have raced extensively in different parts of the world and there are errors in both digital and paper charting in places you would expect to be better surveyed. I have experienced (and have made very careful personal notes) uncharted rocks, large rocks (more like small islands) a long way off reported position, and incorrect soundings....in Italy, France, UK, Caribbean and other regions.
Notes made in digital format in Expedition, and on some now very tatty paper charts (no - not corrected on newer editions) for future reference.