I wouldn't be at all happy about this arrangement either.
Even if the transformer output is only 16V, it's amazing how much difference it makes when a body is totally immersed in water. It is on record that 32 volts has proved fatal, given certain circumstances.
Does this laptop have a modem and phone line connection as well? If so, let's not forget that a ringing phone line can have up to 120V AC superimposed on 50V DC. If that goes in the drink as well....
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