USCGRET's right, you'd need a Coast Guard Operator's license only if you were carrying passengers of freight for hire. So yes, any "idiot" can go out and try to sail.
Texas boating regs summary here:TPWD: Boating - Water Safety Digest
On small cruisers, you'll just have one or several batteries, so you're on 12 volts. This will power lights and instruments, but not a fridge, so it's icebox city. If you're large enough to have a generator, then you can have fridge and AC. Or you might have a shore power connection so you can have them at the marina at least.
You can take classes and get a USSA or ASA certificate, which may be a good idea and may help convince someone else to let you charter their boat without a skipper. But these are private certificates, not required by law.