While that may work in a land-based application, the difference is in the grounding . The Sq-D panel will have a neutral bonding screw. On land, that screw will probably be in place, since the panel is the source. Common practice in land-based wiring also ties ground and neutral to the same buss. In a marine application, the source is the marina's distribution panel on shore, and that's the only place the ground and neutral are bonded. So in a marine application, if the panel is fed via a shore power cable, and the bonding screw is in place and the grounds and neutrals are commingled, then the safety features of the GFI breakers are compromised, since the GFI is comparing a part of the circuit that's improperly connected. It's an invitation for leakage that the GFI is intended to avoid. A fine point, admittedly, but one that can have significant consequences for the objective of protection.