On the boat above the potential problem with no chafe protection is potentially lethal too. The white cables you see are actually AC power cables that are powered by shore power or when offshore the on board AC generator. Once the insulation on any of those cables gets chafed through, this boat will really come alive. The perimeter of the cut out in the aluminum you see is a sharp metal edge. A short circuit to the metal surrounding the cable run will charge up the entire hull and superstructure on the boat whenever the circuits in question are activated.