There are boat rescue operations that are available to save people's boats (and livelihoods and even their lives) but before they will help, they need captains to fully (temporarily) relinquish all control and authority over their vessels. It's a hard thing for captains to do, but sometimes they end up in situations where they must admit "I can't do this on my own, I'm going down, someone help me." And the rescue operators know their ****, and experience has shown them that they save many more boats without captains in their way than they do when they allow the captains to be there through it all meddling in the rescue decisions. Of course, these captains have the full right to refuse help and try to save the ship on their own, or they can relinquish their control and rights over their ships for the purpose of external help swooping in to save the day.
It is a very rational and humane way to operate. It's not ideal, but neither is drowning or losing your ship and your livelihood.
Your protests toward these ideas reveal that some people want to protect our current system that lets the dependent have their cake and eat it too.