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You'd be surprised how many people own a $128,000 yacht INSTEAD of a more-than-$128,000 house.
(Of course, there are even more people who live aboard full-time on much-less-than-$128,000 yachts. For example, Sailing Uma probably have a bunch of money now 'cause they're relatively successful Youtubers, but they started out spending only about $10k total (purchase + initial refit costs) for their 50-year-old, 36-foot boat. There's an entire subculture of people doing basically nautical #vanlife, and they aren't any richer than the homeless-by-conventional-standards people doing it on land.)
It's a dream I considered many times. It can be cheaper* than land life.
I’ve met them, they fucked up someone else’s boat in the marina I was at, they didn’t offer to fix or help pay, they just bailed. They definitely fit into the asshole category, in my opinion.