Your ship has been sunk and it has respawned far away like normal.
You dont wanna use the mermaid, you have a cool Rowboat so you wanna row back to your ship, now you can! Yey.
Your compass has a new marker on it, it always points to where your ship is. Whether it be docked at the island you are on, or at the other side of the map.
What this gives us as a choice.
Im a pirate, i dont wanna be saved especially by a sea creature.
I wanna row to my ship like a man. Possibly get krackened on the way and tell the tale about it in the tavern!
Allow us to make that choice and for those who choose to use the mermaid, then do so. Its all good.