I can't help but wonder if the people with new coastal cruisers suffer from that same I'm invulnerable" attitude that some SUV drivers have? They attempt the unwise adventures knowing full well the builder did not have such things in mind.
I'm also surprised that some "manufacture" hasn't come out with a spade rudder "stabilizer" yet

Gad! They'd
line up for that item!! $ B O A T! $
Just picture the promo for such an item

"Now available! Make your coastal cruiser into a blue water boat!" Order this rudder stability system today! Don't leave home coast without one!
not funny actually...

what happens can and often does end in tragedy.