A few different reasons:
Captains try to drive their boats straight into oncoming waves. That way, the waves crash straight into the bow with little to no side force. A boat won’t flip from front to back; it’s the side to side action that’s dangerous.
Boats are built to be heavier on the bottom and lighter on top. The largest ocean-going vessels tend to have deeper drafts (their maximum “height” underwater) to be even more bottom-heavy. That way, they stabilize themselves whenever they’re getting pounded with waves. The same goes for cargo: heavier on bottom, lighter on top, and properly secured. If cargo is unsecured, or if a boat is too top-heavy, the boat could lose its balance and destabilize itself.
Also, boats are made to take waves on the bow. A lot of fishing boats have a U shape to them, where the front and back are higher. That shape allows them to go over waves a bit like a rocking horse, and it also means the waves are crashing into the bottom of the boat rather than the front.
Putting all of that together, my nightmare wave-runner would be a flat barge with a small draft. The cargo is a bunch of rolly logs on the upper deck, not strapped in, so the barge rolls a lot from side to side. It’s the end of a long voyage, so there’s almost no other cargo or fuel onboard. In the middle of a storm, the engines fail (or run out of fuel). The barge can only drift helplessly, and within a few seconds the waves have already pushed it sideways. It’ll capsize in a matter of minutes.
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