Stan,
It occurred to me after your post that conditions on Lake Superior are far more dangerous if you find yourself in the water. That likely has something, or, much to do with the laws.

My 20 ft Larson was capable of 55mph, and it saw some of that on Lake Superior. Usually around the Apostle Islands, rather than out on the main lake. But, regardless, if you found yourself in the lake wearing clothes, you had a problem with just a few minutes to resolve it, before you lost consciousness, and sank.

Best,
Ted