OK. I guess I should have just said they got swamped by waves.
I know all about boating. I've done it my whole life. I've been on a lake rough enough that I got caught in the middle of the lake as I came around a point and my 16' runabout's closed bow was submerging with the waves breaking halfway up the windshield at idle speeds. The only thing I could do was keep the bow facing the waves, idle along and hope that either the winds died down or I made it across the lake to a sheltered area. Unfortunately, I was heading perpendicular to where I wanted to go but I did eventually make it into a large bay and got out of the wind where I was able to turn around and head back right along the shore. That day was scarey as h*ll and it probably took me two hours to travel what should have taken 5 minutes.