A couple of years ago a father and two sons were out in the Sierra, north of Tahoe I believe, to cut their Christmas tree. There was snow on the ground and they became disoriented and lost, were found a day or two later dehydrated, cold, and wet (were wearing jeans and cotton). I suppose folks here would have the rescue operation bankrupt the family, or perhaps the would be SAR folks would put a call in to his wife, and have her decide to accept a bill for $20,000 or see if they can make it out on their own.
Regardless, no line is better than one drawn where you don't want it.