You are correct in that here in the states, we do NOT have a licensing setup as you described. "SOME" of the states have a really basic license. Washington, ie not DC, where I am has an online 25 question test to show you at least have read some rules of the road equal type ability for boats over 14' or 25hp or some such thing. Canoes/kayaks over 14' are not included.
Some will say we should not have licenses as you have in EU - please note assuming you are in Europe from you comments. I'm on the fence to feel that boating should have a "license" of some sort. But now you are into the what one says vs another. I do not feel the one I have to have is really worth the effort to do. Then again, not sure that one as comprehensive is needed. Then again, if i went thru the course(s) for the EU setup, I might have a different feeling.
Now to a degree, with some apologies to Denise, we have probably gone way off the "what" she was commenting on in the first place.
She drives me boat,
I drives me dinghy!