regular oil in a wet clutch?

I know this is not the correct oil to use, and will lead to glazing of the friction clutch discs. But will it lead to a catastrophic failure? How long till glazing would cause total clutch failure? or really bad shifts? I recommended to someone to use a JASCO MA oil, was told that they were going to use 10w30, had been using it and are going to continue to use it. Not much I could say at that point. Will an opportunity where someone, less caring than myself, would be likely to use that expression "I told you so"? LOL