Who decides if a diver has enough experience to make an informed decision.
I've seen few divers with hundreds of dives that made me wonder how are they still alive; also met a couple (literally husband and wife) that were in the process of getting certified that could've teach a thing or two to their instructor.
To a degree I agree with your points above. I have also posted earlier in the thread.
But there is a reason why all the diving agencies recommend diving as a buddy pair.
Why being at sea is so dangerous if you are single handed.
The likelihood of surviving an incident at sea, on the surface or underwater, are significantly improved if there is more than one of you.
One other consideration - PADI OW is a novice qualification. It teaches just enough to dive in ideal conditions, with the minimal skills required to descend and ascend safely, with the illusion that you are now an expert. Following the PADI route, I would suggest that you are just beginning to understand how much you don't know when you complete PADI Rescue Diver.
Having recently been re-watching the RNLI (Royal National Lifeboat Institute) documentary, one of the comments from one of the coxswain's is worth remembering. 'It doesn't matter how good you are, or how much experience you have, the sea is a dangerous mistress. None more so when it looks inviting, a lapse of attention and you can easily become a casualty." That was him talking about being rescued by the lifeboat himself!
For those of you not UK based. The RNLI is manned by volunteer crews, they are the people who put to sea to save those in danger on the seas around the British Isles (including the Irish Republic). They go when no one else will.
To answer your thoughts, yes, occasionally and tragically they are sometime casualties themselves.
See the Penlee Lifeboat Disaster.