Actually, I'm going out on limb here, instead of telling them how dumb they are (the owners, I mean), how about gently informing them of their epic fail and try to help them, show them the way?? Obviously, they don't know what they are doing. If nothing else, you might have planted a seed so they start to try to learn about saddling. Then again, you might get cursed out, but at least you tried to help in a non-threatening way.
The Paso trainers that use them usually place them high, right where the neck meets the chest and it always looks like a choking hazard to me. However they DO use a girth on their saddles. Hopefully someone upgrades the Saintly Pony soon.