I find it interesting that there is discussion about whether or not NDL is taught enough at the OW level. There have been discussions in the past that NDL is in fact overly emphasized, to the point that divers are more afraid of it than other dangers of diving,including especially AGE, which is a far more common cause of death than DCS. Here is a story that illustrates this.
I was diving in the Galapagos with a buddy I had never met before the trip--we were the only unaccompanied divers on the trip. He was certified at the DM level, although he was not active. We were diving at maybe 85 feet when suddenly he started to bolt to the surface. I was right next to him when he started and was able to catch him after about 20 feet. I grabbed him and gave a WTF look. He shoved his computer in my face, his eyes wide with terror. I knew the model well, and I didn't see any cause for alarm. I was about to ask when he pushed me away and started another panicked sprint to the surface. I didn't catch him until he was past 20 feet, and he again shoved the computer in my face, his eyes still wide with terror. The computer was doing a safety stop countdown. I turned it to him and gave a WTF gesture. He calmed down. We completed that safety stop and went to the surface.
On the surface he said that he had looked at the computer and seen that he had only a couple minutes of NDL left. He knew at that depth it would take him at least that long to get to the surface, so he had to go as fast as he could to get there before he ran out of NDL. At that point we were picked up by the panga, and as the panga picked up the other divers in our group, he told each one how he had narrowly escaped death by exceeding NDL. I tried to explain to him that as soon as he had gotten up those first 20 feet or so, the computer had changed to give more NDL time. He dismissed that idea out of hand--I was foolish to think that. I was trying to explain it yet again when the diver sitting next to me on the panga whispered, "Forget it--he's never going to get it."
The point is that the diver was so panicked about going over NDLs that he risked death via AGE. A study by DAN a few years ago found that other than medical conditions, the most common cause of diver death was AGE caused by a panicked ascent to the surface. It was usually preceded by OOA, but if it had happened in this case, it would have been caused by fear of NDL.