If you go offshore, much less across an ocean, relying totally on an electric bilge pump, you are woefully unprepared.
No matter what the cause when the SHTF, the batteries or electrical system is almost always the first casualty.
I have a Whale Gusher that will pump 70 gallons in a few minutes mounted such that it can be pumped while steering the boat.
This whole story is about a total lack of preparation, rather than "bad luck".
Leaving on a long passage with sick passengers, especially your own children -- not bad luck.
Not having tested the boat and crew in heavy weather -- not bad luck.
Not having tried and tested a proper preventer and the hardware and attachment points on the boat -- not bad luck.
Not having enough crew to hand steer the boat when automatic systems just won't do or if they fail -- not bad luck.
Not having the ability to pump a mere 70 gallons of water per day manually and easily -- not bad luck.
Not having the ability to temporarily slow a leak of that type -- not bad luck.
Why am I being such an a$$? Several reasons. To start, if they had hit a real Pacific storm, with that level of preparation, they might have been lost, including their innocent children. The sea may not have granted them time for such a rescue.
Secondly, stories like these open the door for the kind of thinking that goes; ocean sailing is so dangerous and rescues cost the taxpayer so much, we should restrict people from doing it without "fill in the blank with a thousand bureaucratic requirements".
As far as this analysis being mean to the poor Kaufman's, they have already collected more than the uninsured boat was worth in donations, and their children are safe and sound. So, all in all it appears that others have fully paid the monetary costs of their poor preparation.
I believe some of your observations might be in error... I'm pretty sure I heard it stated in the interview, or over on CF, that they did have a high-capacity manual pump aboard... Which would supposedly evacuate "one gallon per stroke", like the large Edson, or similar...
And, according to the Kaufmanns, Lyra had been given "a clean bill of health" by a doctor in Mexico, prior to their departure... Which, they had actually delayed until they were reasonably confident she was over her infection, if memory serves...
Also, precious few Mom & Pop cruisers out there are making passages with what many might consider "enough crew" aboard to hand steer, should it be required due to the conditions, or if the self-steering might go tits up... How capable Charlotte might have been at the helm in heavier conditions, however, might reasonably be called into question, given her lack of offshore/overnight experience... So, you might have a point, that perhaps they
might not have had sufficient crew, especially given the amount of care and attention the two young children aboard would have demanded...
I'd be interesting in learning whether the boat was under the control of the Hydrovane, or the autopilot, when she suffered the damaging broach... Based upon my one experience with a Hydrovane on a 43-footer, I was 'underwhelmed' by its performance, to say the least... And that's putting it politely... :-) It came nowhere close to steering as well as any of the servo-pendulum vanes I've used, and I wouldn't trust it sailing DDW, or in a situation when an accidental jibe might occur...