Mandating the wearing of seatbelts isn’t entirely about protecting the person wearing the seatbelt. An unbelted occupant becomes a projectile in a sufficiently violent collision, and that projectile can cause harm to people outside of the vehicle.
I guess because there aren’t seatbelts and these boats are usually open-top.
That's probably a result of the "paddle wheel" effect of the propellor rotating through the water: a bug not a feature.