Well, that brings us back to the thread on what constitutes a yacht.
The system works. If they were to address every possible eventuality the entry level boater could never afford to get into boating. Start with that many of these boats have a single bilge pump located under the motor where it can't be gotten to without bloodshed. Remember, most entry level boats adhere to a minimum safety standard, not a maximum. Every $100 added to the initial cost equals a potential sale lost.