red_instead
Contributor
Insurance is to pay for damage you cause to others, there is no requirement to have insurance to pay for your self-inflicted damage. We don't need PADI. People were scuba diving long before PADI was ever dreamed of.
WE don't need to do ANYTHING. I guess by your thinking we should ban all driving because some people drive drunk. We should also ban all knives because people commit crimes with them. Better ban all alcohol sales and all unhealthy foods. Should probably just outright permanently ban all scuba diving because people die while doing that whether bug hunting or not.
You may not need PADI certs - but the way liability structure is set up, you'd better bet that any boat that lets your dive without evidence of training or certification, or any shop that rents to you without such evidence, is going to be hammered if something happens to you. And chances are, their insurance won't indemnify them. So basically, without a cert, boat dives and gear rental are off the menu for you.
And that's the way it should work: insurance protects against risk, risk goes up without training, and there's no reliable way of quantifying a minimum level of training absent some certification of having received that training. It's not to protect you from yourself: it's to protect businesses from generalized dumbassery.