Probably not fiction. Ever since September 2001, the various 'enforcement' arms of USA governments have become exceedingly arrogant. The ancient human right of innocent passage is no longer honored, and sailors are confronted today with very well-equipped but usually-polite pirates.
The real troublemakers are the power-boaters, especially the go-fast types. When they're not ramming docks, pilings and nav aids, running up everybody's insurance rates, then they're smuggling stuff. Liquored up, with powder on their top lip. If the LEOs had any sense, they'd ignore Joe Sailor and look for Mr. Many Gold Chains.
Few sailors think that any vessel that may go max 7 knots (when the wind is just right) is the way to carry anything more interesting than a couple of long-guns, some bottles of rum, a box of Cuban cigars, and maybe an ill-clad honey or two.