"Power tends to corrupt. Absolute power corrupts absolutely."
----- Lord Acton
As boats and cars get bigger, longer and higher powered the pilot gets left behind in the development equation.
Add alcohol to the mix, or a lapse in judgment due to stress, and BAM.
Which is not to say people shouldn't follow their dream and have high powered boats; I bought a Donzi 18" Classic from its owner on Winnipesaukee and had it shipped west where I restored and enjoyed it for a couple of years without accident or incident.
The missing part of the equation: personal responsibility.
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