My 4th baby was born in the front passenger seat of a car in the hospital parking lot (I didn’t quite make it to the INSIDE of the hospital). The EMT (happened to be in a nearby ambulance in the parking lot, summoned by my husband) who delivered my 4th was very proud to have done so—his very first delivery!
Very sad the EMT in this story didn’t simply fish the baby out of the toilet; would have taken one second.
Without an iota of training, I'd think anyone on earth would instinctively get the baby out of the water by pure instinct. Mom must have been incapacitated somehow, too.