There are places where it's just your ass. If you go, nobody is coming to get you unless they just happen to feel like it. After a mandatory evacuation, there is no guarantee that you will be recovered if you get in a bind. That's what mandatory really means; it's your ass. There are also "zones" in the world where Uncle Sam forgets you.
Get far enough out to sea, and it might just me your ass, depending on the waters you are in, and whether or not anyone is in the area. High profile cases might get more attention, but it could still be their ass if it's too much trouble to save their ass.
Response teams are at the ready and training anyway. Actually doing what they are paid to do is sort of like a cop showing up at your house after you have spotted a prowler; only it's a bit more expensive.
Still, money changes hands at times. If you are airlifted to a hospital, you can find a very hefty bill in your hands when you wake up, depending on who did the lifting.
For the most part, this is what taxes are for. You have earned your recovery by giving money to the government. If you go outside their bounds, however, they aren't coming for you, and it's your ass again.
Generally, this means: Any area that US involvement would cause a problem, places that the risk is simply too high, places where it is impossible to come in after you, conflict zones not of US interest, areas that have been evacuated under mandatory circumstances, adventurous areas where conditions have been given and you have been warned against traversing, any situation where you have done something that you were not officially authorized to do, any situation where a civilian has acted in a paramilitary capacity; and any likewise stupid situation where you damn well knew it was your ass before you jumped in.
Uncle Sam doesn't care about your ass. He cares about
his ass. If
his ass is going to be bothered by the situation that
your ass has been in to, it's your ass.
Otherwise, your tax dollars will get you out. Depending on the level of ass-risking, however, you may or may not have to pay something.
Cheers,
Kennith