I found that the best way to handle a called dive is talk to your buddy or who ever you are diving with before the dive and let them know they can call the dive at anytime.I always try to make my buddy feel comfortable about calling a dive.Money can not replace a life.I can always go on another dive.A instructor can only tell you that you should call a dive but your buddy needs to be ready for that.If somebody makes me feel uncomfortable about calling a dive I would not dive with them.DIVE SAFE