Well, I see we have vastly different views of diving. Maybe when I was in my 40s and still racing hare scrambles or hydroplanes, we could have this discussion.
I'm 63 and there is no way in the world I could be considered 'in shape' compared to someone in their 30s. The Atenolol alone makes certain I can't compete. I can struggle down the beach and dive around a little but certainly not the way I dove 20 years ago. My competitive days are long gone (except I still think about building another hydro - my wife objects. Loudly...).
But I'm good for the industry because my pensions pay for all of the dive related expenses for 4 divers. And we're all using top-of-the-line gear. Of the 4 of us, only my son-in-law would be qualified under your plan.
Years ago, I dove every week. Warm water, essentially uninhabited islands, lots of interesting dives. Now its cold water, wetsuit and once in a while.
But don't cast us aside just yet. Remember, we (the aged) have all the money.
Richard