A cay is a small island with a low bank.
It would be difficult for someone to live on a cay due to the low amount of food, animals and clean drinking water the small amount of food that you might find on a cay are small things like crabs, coconuts and other fruit and the reason for such little clean water is due to the cay being surrounded by seawater and the only way to get clean water is from the rain which on a small island in the carribian is a little amount roughly 200 mm a year compared to the average rain fall of New Zealand 600-1600