The problem is that a qualified crewmember was unhappy, for whatever reason, with the situation, given this, the prudent decision byt the capt, would have been to decline the level, unless by doing so the flight was placed in further jeopardy. The burden then would be placed on the airline taining dept to "enlighten" the f.o. as to his error, or to do the same for the capt...a major crm problem here....