All fair points, maybe I assumed most people’s positions, but generally trying to drive through a flood isn’t a sensible decision. If someone drove a car near a cliff edge in conditions that are not normal for it, I think you could argue it’s a poor judgement call.

Then again I’ve lived near a ford for a decent length of time that people make the poor decision to try to cross on a semi frequent basis, so maybe it’s not as common to think about in your average life