Let’s hypothetically say I have a PADI OW cert from the late 90’s and for whatever reasons never took any further classes. However, through the course of all my diving I had many dives past 100’, dives at night, hunting dives, dives in cold water with a drysuit, navigation dives out of pure necessity. Let’s say I had some of the best mentors anybody could ever have, and all that diving and incrementally pushing further each time and learning gave me skills that most “class trained” divers with a lot less challenging dives simply don’t get. This isn’t me because I’ve had a considerable amount of class training (and tough dives), but I know people who fit this example.
If I paid to go diving on a boat and some DM told me that I was limited to 60’ because all I had was an OW cert, I would either demand a new DM or my money back or both. That would be the first and last time I use that operation.