Capn was 70+ years old
Any boat that cannot take rough water on a freshwater lake should not be a tour boat, should not have that many people on it, should not go out with those conditions...
I have swamped my share of boats, barely survived a bad one offshore, one in Buchanan, another on the Mississippi River. In each instance the boat remained afloat even though it filled with water and in each instance the boat was a "get on" not "get in" boat. In each instance it was poor decision or human error that caused the problem. One was my decision to go across the lake to the ramp when I should have just hit a cove and gotten a ride to the other side, and brought my trailer back. One was a friend speared a large wave because he dropped his phone and throttled down to pick it up at the valley of a wave. The river was a whirlpool. Nothing like being in an aluminum boat and watching the engine get pulled under by a sudden hole that develops. Each time I have a PFD on.