Moisture content
The bottom paint isn't just to prevent marine growth. If your boat is in the water all the time the hull absorbs moisture. On a former boat, I used to wax it every spring. At the time, waxing cost $200 and bottom paint, good for about three years, was about $600, a cost trade-off, so I stayed with wax. Some years later, a surveyor noted high moisture content after sitting in the water all summer and recommended winter drying, then a sealer and then bottom paint. We did that. Some years later, when I went to sell the boat, no moisture issues. In the interim, maintenance was cheaper than waxing, just a pressure wash and occasional touch up paint.
It sounds like the OP's bottom paint was DIY by the previous owner. In that case, it may come off more easily than a factory job.
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