It probably happens on a regular basis its just that we dont take a lot of notice when it is an adult. Take Tony Bullemore or what ever his name is. The West Australians know him oh so well as we have had to rescue him on more than one occasion.
What is crazy about it is that these round the world voyages usually attract commercial interests and have many sponsors. As the voyages are almost commercial in nature it is only fair that the team should cough up payment for rescues.
Compulsory insurance for such events would also be another option but how do you say to someone who is sinking off the coast with no insurance that you arent going to pick them up.
At the end of the day it could happen to anyone. It wasnt the 16 year old skipper who tipped the boat over it was the 8m waves. It will happen to anyone. Take a look at the few sydney to hobarts in previous years for example.