Not to mention many resorts/sites etc. cannot seem to differentiate between experience/qualification versus certification. You may have a hundred logged dives but not an "advanced card" and the you hear "no you can't dive wreck because you are not "advanced".
You must not work in the industry. It isn't that we as instructors and dive centers can't differentiate, it is that the insurance and liability issues are real. I don't care if you 1000 dives and have been to 60 meters on air and did a 40m CESA...if you are only OW certified and the dive is deeper than your current cert level, you can't on the dive.
Imagine what happens when you are allowed and a catastrophic failure happens that causes your death. Will they blame you for diving beyond your certification or will they blame the dive center and instructor/DM for allowing you to do so? It won't be you, that is for sure.