It's just air. Swim up, exhale. Inflate or drop belt if you can't swim; if you were neutral, bcd expansion will get you positive in a few meters. The only way you can hurt yourself in such a situation is by doing something stupid or by having a second malfunction.I doubt most vacation divers spend the majority of the time around 40 feet so I think it's just as probably that your average vacation diver could have this occur at greater than 70 feet where it's a much less benign situation.
70 feet is nothing, you don't even need a tank or serious freediving training to get there and back. Rec diving NDL are there and set conservative for a reason, specifically so you don't have to worry about your ascent rate if you have to do this.
There are scary failures even within rec diving. Entanglements, lost lines, lights or siltouts in overhead, loop flooding, anything that makes you sink or keeps you from surfacing. Reg failures aren't such.
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