This sort of judgmental BS really gets on my nerves ...
How would you tell? You weren't there. You haven't a friggen' clue what the lady looked like. You make it sound like you always know what everybody else in the water is doing, and why they're doing it. I'd be willing to bet you don't.
I've seen too many experienced divers ... some of them with DM and Instructor certs ... who dive like confused noobs.
I've seen several improperly equipped and untrained solo divers who are perfectly content with what they're doing ... and would neither appreciate nor accept "help".
Is it my place to tell them to get some training, or learn some skills?
I used to think so ... I've since learned something different.
Everybody engages in this activity for their own reasons, and in their own ways. When someone wants my help ... when they ask for it ... I'm happy to give it. When they don't ... it's neither my place, nor my desire to interfere where I'm not wanted.
I've had people tell me to "butt the hell out" for offering sincere assistance or advice.
We're all adults. If you can't conduct yourself like an adult ... which means making responsible decisions and taking responsibility for making poor ones ... then you shouldn't be diving.
... Bob (Grateful Diver)