Thanks for all your thoughts and imputs.  Yesterday I took my boat out to our church kids camp, where I will bring those that want tubing and just a ride in the boat.  One younger boy just wanted to drive it, been hinting for awhile, and I took him out alone.  NO fear in this young friend.  He just took off......found a large wake from another boat and we flew.  Still not sure what happened to my toe.....in the landing I somehow crammed it and its been on ice.  I realized as 06challenger had said.........someone could seriously get hurt.  I have a 16 year old that drives our boat.....and an 18 year old.  My eyes were opened to maybe this is not the safest.  Seats belts would be nice in that case.
Thanks.......