Those waves weren't an accident or an act of god, it was and is, Nature. You, the Captain/pilot/operator/rower/paddler, or otherwise in control of your vessel, and having--you would think--a responsibility for yourself and passengers, Should, of ALL People, Know When To Put On The Life Vests......And If You Are Paid to operate/pilot/captain a vessel, You ARE, Responsible For The Use of Life Vests, when the conditions dictate. You Are The Expert.
Those with 20, 30, 40 years experience, By Example, could save hundreds of lives yearly, just by using there vests when crossing the Bar, Operating in Nasty Weather, and running the white water.
I can here the story now--You bet, I went across the bar three time now, I"m Ready, My Guide said we don't need to wear life vests, I been doing this for--you fill in the years--ever, never had one problem, it looks worst than it really is!--you get the message. Learning his new lessons He Buys a boat, and goes.
Explaining, (fish Story) the importance, to friends, family, clients, ect. will save lives more than anything else.
Common Sense, isn't Common Anymore. Leadership and guideance (sp), from you, is something your passengers, and Clients, need and paid for. imho