Exactly, the whole reason deco is a big deal is that you can't just surface.
What if the diver experiences a bad freeflow or a scuba failure at the end of the dive? Running for the surface ASAP from 120 with 10 minutes of deco could result in paralysis or maybe worse. To suggest the worst case scenario is owing the capt $20 to refill his o2 bottle, is way, way off target.
I would carry a pony bottle for this dive, with enough to probably hang for a good 5 minutes, at least, even if the dive was planned for nodeco.
Diving to 120 feet on nitrox or air is not a big deal, but suggesting that blowing off 100% of a 10 minute deco stop is trivial, is irresponsible