I don't want to see you driving on the highway ever again if you go by the "no ferry" policy. If you are involved in an accident, shut down the highway, cause officers to have to spend duty time in rerouting traffic, force business people to be late for meetings, cause firemen to come extract you from the car, cause the ambulance EMT and driver to miss lunch, make the tow truck driver go 20 miles out of his way, make your spouse take off work early...
Get my drift?
No, really I don't. I never said a thing about "No Ferry". I said if your ferry operation results in a rescue in the middle of the ocean that you should be responsible for the costs that rescue incurs.
To use your example, my insurance will usually be charged for that ambulance ride and I certainly will get billed by the tow truck driver. I'd also likely be held responsible for any environmental clean up if that were a factor.
As to the use of public safety resources (police, fire, etc), I already pay for that through my taxes. Yes, ok my taxes pay for the CG also. So I'll stipulate that if you require rescue in US waters you're covered for CG activites, but should still be on the hook to reimburse any commecial vessel thats required to pull your fat out of the fire. If you ditch in the middle of the Pacific and CG have to come get you, you should get the bill for the CG also.
It's called taking responsiblity for your decisions.
Get my drift?