I end up crossing a river once in a while. Too lazy to go all around and use the bridge. Hey I save time.
My horses use to be : " You ain't getting me in there" but were just reluctant only had one horse really afraid of the water...I have no problems crossing the river now. It takes time and each time to walk over a creek the horse will realize it is not that bad and get use to it. What I did with Frisky who was really afraid when I first tried besides just getting her over it with all the pressure and release is we just walked around. There are some streams and sandy parts where we walked around and I let her explore and eat grass near there, paw at the water so on so forth so she could get relax. It will help and make it faster if you have another horse but I think it is best to just use yourself, you will gain your horses trust.