Happened to me, in a canoe on a large lake. I had a lot of experience on small lakes, but large lakes also have large waves. Hadn't planned on that. It was either 'go with the waves' or go under
Tsk. Should have listened to more Gordon Lightfoot :-)
Or Stan Rogers
“Don’t take the Lakes for granted.
They go from calm to a hundred knots so fast they seem enchanted.”
Indeed, like any physical or metaphorical system of forces...