For water crossing, unless you can safely walk into the water and check total depth, ie safe enough to walk into then it is a no go period.
Cars,4wd and even trucks are no match for running water.
If you don't trust it to walk through, then stay away. That means the driver does the walk not a passenger, so the idiot behind the wheel pays the piper.
If someone dies, you the driver have killed them and should expect a manslaughter change or dangerous driving occasioning death.
There is absolutely no excuse. A goal sentence is the only adequate response. No remorse or I thought it would be okay is enough.
We don't accept it in boats or aircraft and vehicles should be the same.
Every flood event sees some idiot kill themselves and often others with a it's fine attitude. And the poor rescue guys risk their life to rescue them.