I'm sure glad there were no injuries. 18 knots... yikes.

On my iPhone's Navionics charting: At 300 mile (bottom to top of display) range there are a couple innocuous small dark blue blobs in an area labeled "Ile Raphael"... Hmmm... "Ile"... not a good sign. There are a couple little black lines that could be count ours.
At 185 mile range a "Perle I" label shows up.
At 75 mile range the little black lines resolve into easily missed yellow "chips".
At 50 mile range the yellow chips are a little bigger
At 47 mile range Coco Island up through Ile Raphael burst into view solid green for the (now labeled) Cargados Carajos Shoals, awash sands, etc.
The whole expanse is about 26 miles long. At the 47 mile range and less, you can't miss it.

I guess when you are used to being well offshore, fatigued, etc., it's easy to accept the confirmation from a zoomed out chart plotter that as expected, what lies ahead really is open water. There's no undo command on this video game. Oh wait, this is the real world. Someone learned a lesson the hard way.

Stuff like this is one reason why I always "walk" a route at high zoom to be sure I'm safe at least to the limits of the charting and GPS. Yes, and have a look at real paper charts, guides, etc.

Reminds me of a dangerous submerged rock in the middle of the area near Robbers Passage in the Barkley Sound area, West Coast Vancouver Island. The bay is wide open and clear of visible obstacles, typical in those waters. One cruising guide says this rock is so dangerous people say it moves. On my old Cmap chart plotter, when moderately zoomed in, there's a 6 foot circular contour line and no indication of a rock. I wouldn't be too worried about it at mid-tide though would probably avoid the shoal anyway. But make no mistake! The rock dries 3 feet at low tide so it's a threat at most tides. At higher zooms it appears on the Cmap chart. This one shows appropriately on my Navionics charting at all zooms. I wrote Cmap but I don't think they've changed anything. Friends of ours left $50k on that rock, or at least that's what it was rumored to cost their insurance company to repair their HR43 keel and underbody. We never got to race our Malo against them.