Gelcoat Cracks

The 2 answers that your friend got are not right. Polyester or epoxy resins for all practical purposes are cured when they are taken out of the molds. They sit around for a long time before they are assembled then finally painted. Uncured resin shows up as small bubbles or blisters under the paint. The fiberglass being cheap is not correct either, fiberglass is fiberglass. Resins can vary greatly with the manufacturing process and how it is applied. If the gel coat is applied too thick it has a tendency to crack because of the difference in thermal expansion, resin will expand much more than the fiberglass substrate. Sitting in the hot sun in Fla or AZ the dark colors can absorb a lot of heat it may get up to 140F and when the gel coat expands the FG restrains it and the thermal stress show up as a crack. It is more prevalent in the end cap radii but can show up in the flat areas also. Sanding the excess resin off and repainting is the only practical solution but I wouldn't pay $22K to fix it .