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You have all made good points but the one that I didn't see is that fellow boaters are usually kind enough to lend a hand. There have been several times when out on the water I have towed others back to the ramp or the marina or given up some gas for someone to get back.
However I agree that a Sea Tow membership is more than worth it's wait in gold. Because you can not always rely on others and or the harbor master or the Coast Gaurd. I agree that it is not their job to tow dis-abled boats but to save lives and ensure safety.
I also belive that the harbor masters have to be careful because there are potential liabilities that exist in towing another boat.
There are precautions that should be taken as Noreaster mentioned. Boating/fishing is fun but along with it comes a responsibility to yourself and others on the water.
That is just my thought.
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