Look, I'm telling you this from my perspective as someone who tried to do the exact thing you're saying. If those things stressed me out as an adult who knows about swimming, and crucially prevented me from signing up my kids for swimming lessons at the Y, then it is going to be even more true for people who are low income and not knowledgeable. These are real barriers. Acting like they're not is just putting our collective head in the sand and letting the problem perpetuate.