Not sure about the "car falls into the lake" scenario, but I know some women who carry these for fear of a crazed Uber driver who might lock them in the car.
You can just unlock the door and exit the car in that case-- there's no way to "lock someone in" unless you've modified the lock somehow. And if someone did that, they probably reinforced the glass too.
Well, I learned something new today! I always thought that kind of thing would be illegal because it's a fire hazard -- if the driver was unconscious after an accident, the passengers could be trapped in a burning car.
You are assuming a crazed uber driver is smart and knowledgeable enough to do that, but 90% of people driving ubers to start with are doing so because they don't have those kind of skills or knowledge.