Scenario: Diver with less than 100 dives. Dives exclusively with the same divemaster each trip. Her husband is a much more experienced diver. Everyone using computers.
100 dives is far too little experience for self-taught deco diving. (Different rules when professionally trained and qualified - I know more than one person whose first open water dive was an accelerated deco dive). Having a tec trained buddy doesn't resolve the issue, as it turns buddy separation into a life-threatening emergency. If done in recreational gear, this isn't deco diving, it's stupid diving.
1. As her DM, do you make her stay out of the water for 24 hours based on that 20 min deco stop? (translation: fall back to the PADI dive tables rules)
Depends on which capacity I'm working in. Is this a dive shop operation or am I an independent dive guide for hire?
In the former case, definitely. They're breaking the rules and placing liability on the dive op, it's the DM's duty to prevent that.
In the latter case, it's up to the DM to decide if they're comfortable looking after someone putting themselves in danger.
As for points 2 and 3, they raise the issue to a level where, if there was an actual problem, even a tec trained and geared DM's ability to help is being stretched past capacity, since so many divers are one misstep away from a life-threatening situation and things often go wrong in a cascade.
Going to 20 minutes of deco would call for more than a sit-out. Making a Suunto show you a couple minutes of ceiling is not a problem, that's just a mandated safety stop. But 20 minutes on any computer indicates a genuine deco obligation, which can't be safely completed without fully redundant equipment and relevant skills. Unless forced deco was caused by an emergency, vacation divers at this point need remedial training, not dive supervision.
So it's not really a question of tables or computers. If the divers were lucky enough to complete their deco on single tanks without blowing stops, their bodies are fine. It's not 6 or 24 or 48 hours they need to get back into the water, but an attitude adjustment. The margin of safety in rec gear is razor-thin and vanishes if more than one diver violates rec diving assumptions.