Everyone should read these two threads!

Jury awards $30M suit against Mastercraft

and

Boat maker, driver found responsible in 2006 Lake Oroville accident

You can draw your own conclusions, but I think that everyone is responsible for their own actions and safety. Be accountable for yourself. I also think every boat owner should consider a blanket general liability policy. They are relatively cheap, my $1,000,000 policy is only about $200/year.