I stay out of it unless the person is obviously brand new, such as they say, “We just got these and are on our first paddle ever!” or they actually ask for advice.
But it depends on the venue, the time of year, the weather forecast, the presence or absence of many other boaters close by or not, etc. If it’s the dog days of summer with with warm water at a small lake and accessible beach near, they mainly need to stay very close to shore all the time. If it’s spring or late fall or the water is under 70 degrees or the venue has currents or other potential hazards, that’s a whole different set of less-forgiving conditions.
Similarly, using junk kayaks in the first venue might result in nothing worse than a swim to land and needing someone to tow the flooded thing back. In the second venue…lots of worse scenarios could play out.
All this presumes that the people CAN swim and tread water in the first place. The PFD adds safety but it won’t propel them back to land.
Another anecdote from two years ago: I was practicing rolling my WW kayak at a small reservoir. Hot weather, warm water. To avoid the clusterfk of floatyblowup junkies that often literally occupied the old ramp and immediate area near it, l went to the opposite shore. I heard plenty of the usual mommy-brigade and kiddie noise, and then out of the kid sounds a man began screaming, “Help! Help!” I was too far to see what was going on and assumed the two figures that appeared to have taken truck tubes on the water were drunk or high, or both.
A little later I heard sirens approaching. Emergency vehicles and staff arrived. Later still, a man who had been fishing in that area asked me, “Did you hear that guy yelling?” I said I had but thought it was some drunk crying wolf (which I have seen before at a different venue). The fisherman said the two guys were, in fact, high on something. One of the tubes, which he described as being “almost flat before they even took it in the water” went even flatter, causing the druggie to panic. Druggie could not swim. The fisherman had been trained as a lifeguard in a previous life, so he hauled the druggie idiot to shore. He said both guys practically ran to their car and peeled out of there, which is why he thought they must’ve had drugs in their bodies. The ambulance got there fast but the guys had scrammed already.
I don’t care if a drunk or druggie dies from his own stupidity. There. I said it.