I'm not an expert diver...I AM a scientist, and one who collects data on coral reefs. (Not just on the internet...I accompany science diver teams in the FGBNMS and assist with data collection.) Some fairly random thoughts, all borne out by the data that has been collected.
1) Fifteen years ago, it was a debate as to whether global warming was actually occurring. Now, the debate is settled. Global warming is, indeed, a fact. Now the only real debates center around its exact cause and what can be done.
2) It in unquestionable as to whether humans are having an effect on global warming. We are. Each of our carbon fingerprints (or the amount of carbon dioxide we are responsible for producing) is cumulatively contributing to the amount of greenhouse gases in the atmosphere. It's not so much that each individual contributes so much, but there are just getting to be a lot of us, to the tune of 150,000 more per day. In addition, more of the world's population is starting to use more hydrocarbons than they once did. It all adds up.
3) There can be no question that the warmer oceans are contributing to the degradation of the world's coral populations. They just have a very narrow window of temperature tolerance. That does not bode well for the little critters.
4) It may, in a sense, be a "natural" occurrence...i.e. that when greenhouse gases build up, there will be effects. It has, as a matter of fact, happened many times in earth's history, as at least one person noted above. What happened to the coral? In short, many of them went extinct. Others were decimated to very small enclaves of hearty survivors that rebuilt coral populations in the thousands of years since. It usually was NOT conducive to the healthy populations we are used to.
No question about it, the earth is a dynamic system. The one constant is change. Now, the questions are about "how much" and "how quickly". If we love the oceans as we say we do, then we should be able to make a difference. Part of that is in communicating what we see and know to the world at large. Thankfully, this board is and can be a part of that process. Depends on us.