You can't rent tanks or get your own tanks filled without some sort of certification.
They're not cheap, but they're also not all that expensive.
So, if you're "uncertified" and you somehow managed to get yourself a filled air tank, then my point still stands: you can go down to however deep you want.
And the basic open water certification is not much more than a rubber stamp. Anyone can get it as long as they pay their $100 to PADI or whoever else.