The only time you'd come into contact with a working boat is when you do something daft, like moor in a bridge hole or in a winding hole. They hit you because you shouldn't be there maybe?
What type of "working boats" are you complaining about. Explain the situation.
Maybe if you were a bit clearer, we could understand you a little better.
As Dan pointed out, you don't cruise with your fenders down as it can be dangerous (aswell as looking silly) you only use your side fenders when moored up. There's nothing more irritating than being kept up all night as your boat bangs against the bank. If you were to drop your fenders when you're moored, they would do there job.
One thing that really does p*ss me off is when people shout the odds at me and tell me to slow down when passing there boat, i ALWAYS slow down when passing moored boats. The only reason why there boat bobs about like a cork is because they've not tied the bloody thing up properly.