If the boat operator (Captain, DM) and/or the shop who organized the charter, did in fact know his diving history and deemed the dive suitable for his experience level, that would, in my mind, remove most of the diver's culpability. If I went to my LDS, who know my training level and diving history (not long since I was in the water with their instructors present) and they accept my money for a charter as being within my capability, which later turns out to be well beyond my ability, how much is really my fault. Yes, I should know my skill level. But if it's a site I've never dove before, thus no first hand knowledge, how do I judge? My first current dive was in the St. Lawrence River and was just about as much as I could swim against. I certainly could not have done the entire 135 foot length of the wreck non stop, finning against the current. Fortunately, I had about 80 dives under my belt and received a great pre-dive briefing on the dive, including areas of the wreck where you could shelter from the current for a break. I have a buddy who wants me to do a drift dive in the St. Clair River. My understanding of the dive, you drift with the current to a particular point, then head towards shore and ride the backwash back to your entry point. Current can run 3 to 5 knots, you CAN NOT swim against it, so don't try. Spare mask is recommended in case yours is swept off. I considered it and decided it was beyond my skill level/comfort zone (currently I'm at 140 dives logged and at least another 30 in pools not logged). I do know of shops who have taken OW divers with less than 30 dives and who have never done a current dive on this one. If I had been offered this trip, before my first dive in a current, I might have gone along, not knowing what I didn't know, and trusting in the professionals to judge what's safe.