How about this. If a given person does not like to assume any degree of risk......... they not let their own kids swim during the hours there is no lifeguard on duty. No construction of fences needed, no extra expense required. Nobody is going to make anyone let their kids swim without a lifeguard present. People are entitled to regulate the degree of risk they are comfortable with in their lives. But what I don't like is when they impose that on others. I guess in an odd way, that makes it sort of similar to the recent 40 page discussion about older kids in the women's bathroom. As I recall, the bottom line on that thread was do whatever you want to mitigate risk in your own life, but quit imposing it on others (in that case by taking the older boy into the stall so others didn't have to be uncomfortable).