I fall into one of those inexperienced categories. I have read several threads and a few articles about solo diving and one interesting school of thought is that unless both divers are moderately to very experienced, one partner winds up being a solo diver and the other a dependent diver. If I go diving with someone with 200 plus dives under their belt and I have only a handful, in essence the diver with 200 plus dives is a solo diver and I am somewhat on a "trust me" dive. Reality is that even in the most benign conditions, something can, will, and eventually does go wrong. At some point people need to just know their own limitations and stay within them. In the long run, it comes down to personal responsibility and risk acceptance.