The variables are what matters. A fast stream with a dangerous runout and a heavy backpack could be dangerous for a 100-pound out of shape person even if it’s only ankle deep. If the person is strong and smart and not carrying a pack with water that is placid, they can swim in 2-mile deep water and be safe.
If you mean a typical PCT thru doing a Sierra creek, in shape, 30-lb. pack, sure of themselves, i would say you’re probably hitting the danger zone when it’s about mid-thigh deep. With poles and somebody else around to help fish you out downstream, maybe waist-deep. Sierra streams in June are fast enough though that anything deeper might be a bad idea.
But really, too many variables to say…
markv