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Your guy at the lake is the rare nutter. What is really going on in the industry is an attempt by agencies to get their product(s) in place as an access barrier. It's driven purely by profit not by liability or insurance considerations.It's all about liability and what the non-diving lawyers tell the dive ops. Some will follow the legal advice to the letter. Others may choose to ignore them. At least the dive ops know the different levels of cards. There's a guy that has a lake on his property and was once told only AOW certified divers should be allow to dive there. He won't let instructors dive the lake without first showing an AOW card. And, BTW, the max depth of the lake is in the 250' range...