I think you will find that they can probably get her on some sort of insurance problem / possible fraud if anything had happened. Since the RYA qualitications are quiet often quoted in the insurance documents for many boats / ship etc.. These would have been passed onto her by the contract which was why she required the cert in the first place.
Boats and silly / dangerous things still typically have have their own punishment. Thoose who are stupid die faster :) so its already kind of self policing