It's ok to compare a swimmer moving through the water to a ship doing the same. To not consider displacement in the equation is sloppy.
People caught in a rip current exhaust themselves trying to get back to shore. Then they drown. This happens, unfortunately, all the time. Anything that causes a swimmer to make way too much effort to get to a destination would have the same effect. You can claim that their drowning is their own fault but it’s very easy to put yourself in the situation of swimming as hard as you can and getting nowhere and not realizing it until it’s too late.