You know that ships have crew in it?

Yeah, and?

How much do you think the humankind is willing to pay to save a human live - a million dollars, a billion, a trillion?

A lot more than it does at the moment, certainly. That's no bad thing either, even if insurance premiums would go up (and construction quality would then improve to compensate and bring them somewhat back down, and finally fewer incidents would result in loss of life.)

The crew probably has a good idea of the risks

I'm not sure they do - are they oceanographers? These are very rare events; very few crewmembers have experienced such waves.

Also, even if they do, it doesn't stop them from being exploited.

If you have an idea of the risks involved, then certainly people who are embedded in sea-going culture do as well.

Occupational safety doesn't happen just because you think it should. Recognizing when financial incentives are insufficient is important to designing a realistic solution.

This trade-off is everywhere. As a society, we choose to have some people die due to speeding instead of making speed limits 15mph, which would absolutely make roads safer. Human life just doesn't trump all else - we factor in other things.

And a company would go broke trying to secure itself against every conceivably IT security threat, so IT security aims to keep breaches out of the headlines rather than eliminate them completely.

Your own skeletal system is a trade-off of different factors.