Originally Posted by painkiller
And unlike a plane, a boat is not going to fall from the sky and land on an otherwise un-involved person or their property. So the comparison is not entirely apples to apples.
It may not fall from the sky, but it can sure sink quickly. That makes it dangerous. You can make someone else sink quickly. As such, you are a liability to others. Also, most planes can, in theory when there is an emergency, find a place to land. That may or may not save them. When at sea, in an emergency, you cannot simply find a safe port.
I do not find comparing cars to boats apples to apples at all. Cars do not sink. Cars do not get beyond a safe port. When your car gets a hole in it, you can get out and walk. In general, you cannot swim back from a boat.