I’ve spent a lot of time this last year visiting lakes with similar issues. The issue is not unique to lakes but remains an ongoing concern with any waterbody with humanly influenced frontage. The desire to get closer to the water and the serenity of its influence is having a directly negative influence. This influence has led to a number of compounding side effects resulting in habitat loss, sedimentation, unnatural nutrient introduction, flooding, and although not nearly as well documented, property damage.
Shoreline encroachment is a process in which man moves closer to the water. The reason for doing so may very ever so slightly; in some instances water is the obstacle where in other cases it is the objective.