I think the workers at gas docks are just trying not to upset their customers. If they demand that all the passengers disembark, some customers will be upset. That could mean a smaller tip or a complaint to their boss.
These accidents are rare especially on a well maintained boat. It's very unlikely these workers ever observed a boat fire. I can count on one hand the number of times I heard one reported at the lake.
Ultimately you are responsible for your own safety.
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