Wyatt,

Unfortunately that's how it is. Most of us know that these companies will chop your head off if you are not a member and you happen to need their services. It's an expensive lesson, but the $150. or so yearly is probably making a lot more sense to them now.

I also HATE companies that take advantage of people in needy situations, (like the gas gougers) but I guess this also boils down to the basic supply and demand law - the sinking/capsized boater is in great demand for a rescue, and the tow company is the only one available to supply it.
They know it and charge accordingly.