Bad example. A correct example would be based upon that if someone were actually dead, not drowning, but fully dead, would they be able to reach out? No, not if they're dead. If someone were lying dead, completely unable to help themselves in any way - totally oblivious, yet someone happens by with a magic antidote, administers it to him, bringing him to life, who has done it? Did the dead person do it or contribute to it in any way? No! So, who is the one responsible for bringing the dead person to life? The one with the antidote.
The Bible makes abundantly clear that before becoming saved we were spiritually dead in sin - dead, dead, oblivious to our condition, as a physically dead person is oblivious to their condition. We are unable to assist in any way with our own rescue and solely dependent upon, and at the mercy of, the rescuer. Observe:
[Eph 2:1 KJV]
1 And you [hath he quickened], who were dead in trespasses and sins;
[Eph 2:5 KJV]
5 Even when we were dead in sins, hath quickened us together with Christ, (by grace ye are saved;)
[Col 2:13 KJV]
13 And you, being dead in your sins and the uncircumcision of your flesh, hath he quickened together with him, having forgiven you all trespasses;