The marina is locked and probably employs security to go check on things at night. People with boat money rarely visit their boats at 2:00am. The boats have locking compartments and require keys to start. There are police boats out looking for ne’er-do-wells who might approach by sea.
You could ask yourself the same question with owners of convertibles, motorcycles, and luxury cars. There is crime, but generally it boils down to “don’t be an idiot” with where you leave it.
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