Hey, with that kind of guaranteed income for life - you don’t want to risk it on saving someone!
Sad part is - if it was policy, I imagine some folks may have wanted to go help, but were held back based on the policy. In the movies it sure works (”screw the policy!”), but today it might be a lawsuit, loss of a job in a terrible economy, fines, arrest - who knows.
And - if the guy really was too far out to be able to help without the proper gear - it doesn’t help anyone to have two victims out in the surf. Although the nurse was able to recover the body. (Hope they don’t get imprisoned, fined or lose their job.)
And when a blue building is burning, we were not trained to put out fires in blue buildings! Or if you don’t give into our new pension demands, we may not be able to put out fires on red buildings.