Commercial vessels are subject to the same ROR and safety rules as any other craft. You would have been within your rights to report it to the MP, write a letter of complaint to the owners or file a lawsuit if you had been damaged. If you wanted to be funny you could have sent them a mock laundry bill for your shorts!
Having said that, I want to say that I have encounterred a few of the lakes commercial vessels and overwhelmingly they have operated correctly.
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