You can create all sorts of scenarios, but personally I think the answer is always the same.
The only life you have a right to risk is your own.
An aeroplane can get written off, and most of us can swim. If you can't, either learn, accept the risk, or don't fly over water.
That said a tiny risk of hitting somebody on a quiet beach, when I can steer the aeroplane until it's stopped, it acceptable. I'm simply trusting to my own skill. That I do every time I fly.
G