Myself I'd think it best to button my lip in these circumstances. But I wouldn't feel guilty if something I said made the young lady feel hurt.
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At the top of my voice I ask, "Are you handicapped?"

The trouble is, dianavan, how can you be so sure the person in the seat isn't handicapped?

Actually, I can never understand the idea of special seats for old or disabled people - they are entitled to priority in every seat.
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"...someone old enough to probably be over 13 years of age, let's say. At least, far beyond the age of paedophilia." So how young does a child have to be for it to count as as paediphilia, Ebbie?