No, the liferaft does not act in the same way as seat belts and airbags. They are passive and a raft is active - you have to positively deply one in circumstances that usually make it very difficult.

With the possible exception of collisions all foundering incidents are the result of a skipper or crews actions - not a third party at the time (unless you count the designers that get keels wrong).

You can imagine all sorts of situations when an incident might occur, but the fact is that they don't and lead to foundering. Many of the things that you imagine have the potential to cause a yacht to founder, but do not get that far because the crew deal with the problem or the rescue services come into play.

Have a sound yacht, stay on board it, keep away from big ships and dont go out in bad weather and you are likely to be OK.