I consider driving through water ti be 'off road' driving.
It requires an individual risk assessment before the attempt.
It is unfair to compare it with running a red light which instantly places high risk of injury/ death to an unknown number of people who are likely to collide with the redlight runner.
I wonder how many commentors have actually done much driving through water, and in what (of the many different types of) vehicles they have gaind this experience.
I consider myself fairly experienced in water crossings, and I can see how easily the inexperienced/unwary driver can come to grief. But the same can be said of most motorists in otherwise normal driving.
Like all things, you cannot legislate common sense. With common sense and some risk management, most drivers should be trained to make safe decisions and either safely cross water or sensible decide not to.
Or maybe just ban motorcars because people can't be trusted to use them safely.