Has anyone ever heard of or had the problem of catching a fish hook on the bottom of their pond and ripping a hole in the liner?

I’m about to buy a very large lake/pond liner and I don’t really want to spend the money on laying sand on the entire bottom of the lake. I’d rather pepper a few large boulders to keep the pond liner from rising. If I pepper....could I tear a hole in the exposed liner areas with a fish hook or is that possible?

Any ideas?