A terrible analogy. Corrected, the man refusing the life vest would simply be walking down a street when, out of nowhere, a life vest hits him in the head. He wheels 'round, and a man is yelling at him, "Take it! It's your only hope!"
He rightly ignores this person, who is clearly insane.
You have yet to provide any evidence that we are sinking in the first place.
To say that the consequences of a choice necessarily become choices as well is a gross misapplication of the word 'choice'. Obviously nobody chooses to be tortured forever. To dance around and play semantic games to make this appear to be so is dishonest at best and disgusting at worst.
The analogy of drowning is an allusioin to a man being steeped in sin and wickedness and unable to reform himself of this sinful nature. It applies to you, to me, to everyone.
All have sinned and fall short of the glory of God.
Then the Lord saw that the wickedness of man was great on the earth, and that every intent of the thoughts of his heart was only evil continually. Gen 6:5
The fool has said in his heart, There is no God,
They are corrupt, and have committed abominable injustice;
There is no one who does good.
God has looked down from heaven upon the sons of men
To see if there is anyone who understands,
Who seeks after God.
Every one of them has turned aside; together they have become corrupt;
There is no one who does good, not even one. Psalm 53
Who can say, I have cleansed my heart,
I am pure from my sin? Pro 20:9
All of us like sheep have gone astray,
Each of us has turned to his own way;
But the Lord has caused the iniquity of us all
To fall on Him. Is 53:6
For all of us have become like one who is unclean,
And all our righteous deeds are like a filthy garment;
And all of us wither like a leaf,
And our iniquities, like the wind, take us away. Is 64:6
If we say that we have no sin, we are deceiving ourselves and the truth is not in us. If we confess our sins, He is faithful and righteous to forgive us our sins and to cleanse us from all unrighteousness. If we say that we have not sinned, we make Him a liar and His word is not in us. 1 John 1:8