Whenever you are surfing, knowing where people are, is part of your responsibility....
On solid swells, I surf crowds all the time.... but I keep a buffer zone around me by staying aware.
I let waves go by, that will put me and my board in an awkward situation with other people.
If you behave like this, you are more likely to have some room behind you when caught inside of breaking wave.
This allows me to:
Kick the board through the lip and fall back (pic 2)
Kick the board over the whitewater and fall back (Pic 1)
or
slip under the whitewater and let the leash do it's job.
My feet tell my board where to go.... they stay ON my board until I am sinking into the wave.
I hold my paddle in both hands and use it to protect my face, as I fall under the wave
pic 2 - clearly shows my feet controlling the board until I am under and my paddle protecting me
In a sketchy lip explosion, where the power of the wave can do mystical things, I kick the board towards a shoulder and fall the opposite way, for maximum separation.
I am very comfortable paddling into an OH throwing lip because I have spent a lot of time learning how to get out on SUP in OH conditions.
Being comfortable means I can stay on my board till the last second.... this gives me max control and best odd at getting the board past the wave.
In small waves I simply put my forearm on the tail pad, push the tail down and the nose up and over the wave.
Make sure you can control your board if you do this, because the fins can be pushed back into you, if you don't have control.
The problems I see are
People bail far too early, then float back up before the wave gets to them
OR
People wait to long, then actually dive, face first, towards the nose of the board. Good way to really get hurt.
I scanned my vids for some footage, and will make a video soon
Here are some pics that show a few scenarios.... these just cover a few of the likely situations.
# 3 is my buddy Kenyon showing how young guys just paddle over big whitewater

But the others are how this old guy does it