I view this as Naval commanders looking out for their personnel. Why would they risk escorting commercial activities if they’re not directly ordered to? That isn’t their primary mission/objective. The war is completely stupid and the vast majority of people do not want to be involved, but the US and Israeli billionaires are insisting to poke the hornets nest. That doesn’t mean commanders on the ground/water want to put their lives on the line for what’s an obvious bullshit conflict designed to enrich said billionaires.
There’s good reason navy has moved far away from Iran. They’ve struck targets accurately far further than the 10km off their coast that is the Straits. Likely more Americans killed than reported in GCC. The Navy is refusing not only because it is a certain suicide mission that fails, but also because of the extreme embarrassment risk of that certain failure.