No matter what you race, whether it be bicycles to airplanes there is always an inherent risk. People can be prone to making poor judgements when it comes to pushing the limits of themselves, or their equipment when in the heat of battle so to speak. The ones who don't push the envelope die off in animosity, while those strive for that little extra are the ones who make a name for themselves. Moral of the story is that things happen. Cars crash, boats flip, and toast will always land jelly side down when dropped. If you're one a member of the elite that can take a 100k worth of boat out and not really care about what happens, either because of dangerous conditions or a dangerous lack of experience, then more power to you. It isn't the place for others to decide what is too dangerous, or what is should be considered calous behavior.