by law you must have sailing license
and boat insurance.
Right or wrong is a different discussion.
Of course you can sail and never ask for them but the law is there and you can easy fall at the officer who will make you life difficult ..
Have them or not it is up to you .
Of course a piece of paper doesn’t make you captain
but insurance will pay the damage you may create to someone’s else’s boat !!
and kamikaze sailors are increasing every day !!