It's easy to make
something simple into something hard, if you want to. If you are a recreational boater, using your boat for recreational purposes, you don't need a license. Period. Sure, if you pose this issue a different way, you may solicit, and get, a different answer. Not all USCG people are well-informed on this, and related issues. Its like having your taxes done by 10 different professionals. YOu'll get 10 different bottom lines. When necessary, don't be timid about questioning an answer from a so-called authority figure, if you believe his answer is wrong. But first, arm yourself with the right info, chapter, and verse. And common sense. Most bureaucrats will back off when faced with someone who knows more than he does. As to liability issues, anyone can sue anyone at anytime for any reason. These are times we live in. Get used to it. A guy you take out for a charity sail is no more likely to sue you if he gets hurt in the course of that sail than is a member of your race crew. Whether you have a license or not is not the issue. Whether you have used prudence, discretion, and operated your boat safely are the issues to focus on. Just picture this headline in your local paper: "USCG Cites Local Sailor for Taking Couple On A Sail in Support of the American Cancer Association." Guess who the winner of that peeing contest is gonna be?