While I agree with you (I assume you meant one should NOT be allowed to charter), the charter companies have no incentive to turn away a paying customer for lack of skills. Chances are, nothing bad will happen and if they do, somebody else has to pay for it.
I remember being quite proud of the fact that I was approved for chartering after sending in my sailing resume on the first trip. And then I got a look at some of the other skippers and crews on some of the boats in our Flotilla. I remember saying to my wife "Well dang, looks like they will let just about anyone rent these things!"
I didn't feel so special anymore.