This is a very important part of being a mariner. Updating charts used to be a tedious endeavor...finding Notices to Mariners and painstakingly amending paper charts on a regular basis.
Nowadays it is far more easy with digital technology. I know people who are using 30 year old charts which haven't been kept current. It's a dangerous practice and, in Australia at least, it is illegal to navigate with charts which are not up to date.
Obviously, penalties are very rarely given out...especially to recreational mariners...but in the event of an accident, insurance companies will do everything in their power to avoid paying out. If a check of your charts showed an avoidable anomaly, they could refuse to pay for repairs.
it's a good point you raise and one well worth promoting.
"if at first you don't succeed....Redefine success"!