That is an insurance plan that you have chosen to get. Search and rescue is sometime we collective have decided as a society to fund with our taxes. When you

That is an insurance plan that you have chosen to get. Search and rescue is sometime we collective have decided as a society to fund with our taxes. When you start picking and choosing what meets your personal definition of risky or advised that is a two-edged sword and eventually it will come back and hurt you as well. If you want to take an apt analogy it would be the fire department does not come out and attempt to cut you out of your damaged car until they've checked your credit record first just in case it's deemed you were at fault or risky. That's not the way it works fire and rescue comes out and attempts to do their best to rescue you from your vehicle without caring who you are or if you can pay. Reclaiming of damages for personal property is not the business of search and rescue. So in the original situation the Coast guard doesn't care whether they save your boat when you send out a mayday they come and help which is what we want.