They should carry insurance, I do, but thats kind of beside the point. At what point do we refuse to rescue people or charge them? If there are assets in the area the crews certainly benefit from the real world experience.
I mean they should have insurance to reimburse a CG/military rescue. I don’t think we refuse to rescue, unless it puts the potential rescuers at too much risk. And we charge when it’s an above-and-beyond, rather than within the scope of regular patrols, etc.. There is some line to be drawn there, but it makes sense to draw one.