I passed by that inlet and it is definitely a pretty hairy place (and we went the inside route). However, they really must have been going close to the shore (or, perhaps, they were trying to go INTO the inlet, the article does not say). Fiberglass boat would not have faired much better.
What this really is about is keeping watch, knowing where you are and navigation. And having insurance, if possible - however lots of sailors do not. I think essentially anyone outside US waters is either uninsured or at most has basic liability - what company is going to cover a risk of small craft out there in the ocean?