Because "marine oil" is a marketing gimmick to jack up prices.Why not use a marine oil?
Look at the virgin oil analysis for marine and automotive and you'll find them to be essentially the same. In fact the Yamalube 4W oil recommended by Yamaha for their jetskis and boats is not even marine rated! It's plain old conventional oil - any 10w40 API SG or better meets their engine oil requirements.
I now run Castrol GTX 10w40 in mine as it works just as well (if not better) and costs half as much. No issues with foaming, moisture, or and has a better additive pack than Yamalube. Todays small vehicle engines are closer to these jetski engines than ever, and the oil they need is the same.
Same goes for their "marine oil filters"...cheap $5 filters being sold for "marine" environments at 5x the cost. Any comparable fitting filter will work just as well. I now run Fram TG3614 filters which filter better than the Yamaha at 1/4 the price.