I have to say I agree, you’re ultimately responsible for yourself, and have to act intelligently…
Analogy, it’s quite possible you could go on a ski holiday, play a game of rugby, or any kind of sporty endeavour and end up with a broken neck, ok the instructor/guide has some responsibility not to take you out of your league, but then you have a responsibility not to blindly follow instructions if you are not sure of yourself.
Yes it’s possible the instuctor had poor judgment, but you’d think the instructee would have said,you know what, this is a bit crazy, and find a new instructor.
Very unfortunate for all, but realistically you could fall of a bike at any time and do yourself a grave/serious injury.