Eventually

You wait a while and then, realizing he's not going to come back, reluctantly begin to swim back towards the girls and all your friends. You get over there and want to scream and disappear when you hear what they're talking about.

"I've would be so scared to lose my bathing suit here, that's why I never dive in. My friend lost her top once and the lifeguard made everyone get out of the pool and she ended up flashing EVERYONE, it was SO funny, but I would DIE if that happened to me!" A new girl in the group was saying... a new girl who you knew well. Your long time crush had joined and was talking about how funny it would be for someone to lose their suit and have everyone see them naked... This can't be happening. "Oh hey! I didn't know you were going here, what a coincidence! We were just talking about this one time my friend lost her bikini and everyone at the pool saw her naked! Could you imagine? That would be SO humiliating. Luckily she had a perfect body and nothing to be ashamed of, it would be so much worse if that happened to say like, someone with a really small penis!"

Panic. Absolute panic. This must be a dream. But it's not a dream. You are floating, very close to your crush and all her friends... "hey nakey, welcome back" your friend taunts in your ear. You see his hands and he's not holding the swimsuit anymore...