Seems this is a pretty hot topic and I guess I would like to throw in my two cents. I started bass fishing about a year ago and have yet to step foot on a boat to do so. But as a potential non-boater I wouldn't even think of going out on someones boat without offering some cash at the end of the trip to help defer cost along with making sure I bring my own water, and lunch, in fact I would probably offer to bring the boater lunch. Sure the boater did buy his own boat, and yes he should be able to pay for it, and should not expect payment as if he was a guide. But etiquette is etiquette no matter how you slice it. If I go to a party I will always bring at least a bottle of wine, that includes family events. I think it would be rude for me to show up empty handed, just as it would be rude of me to fish on someone elses boat without offering something at the end. I wouldn't be mad if they accepted it, or declined it. At that point I have done what I think is right, I am no longer a freeloader in my mind, or the boaters mind.
No one likes a freeloader.