dkf....I could not disagree with your point more. Rc boating, in all forms power, can be a dangerous hobby with a lot of unknown variables that you never expect to happen, even with the best planning.
See exhibit A
www.quickdrawengines.com/Page_102.html
This pic is of a boater that "touched" the spinning prop of his boat inadvertantly at idle in shallow water wearing a boot. DON'T TELL ME THAT IT IS IGNORANT TO NOT UNDERSTAND WHERE HIS BOAT IS BEING RAN OR THE CICUMSTANCES.
Children, dogs, people without an understanding of the dangers spectating can pop up in bad places unexpectedly. And regardless of the price of equipment used, accidents happen. These boats can go out of control, climb a bank and becoming air born missles with little notice.
INSURANCE IS VERY IMPORTANT AND THE RIGHT THING TO DO!
Exhibit B....
And C
Watch the whole thing