The OSM policy is that you should fix the navigator, not duplicate features on the map.

In any case people should not be relying on a crowd sourced map for safety critical information.

The OSM policy is that OSM should attempt to describe the real world and it is the responsibility of the navigators, map tile generators, etc. to present that information in an a form that is useful to human users. There is only one ford in the real world, so there should only be one OSM object describing it, and generally that should be a way, unless no details of its two dimensional structure were known to the mapper.