Disagree! - Since when is posting a "what if" scenario an admission of guilt. Does your "scenario" happen...sure it does. But it doesn't mean everyone is guilty of hiding behind a "what if" question. And so what if they are? Big deal! A person should never be afraid to post a question on this forum. If you don't like the post, move on to the next one.
Kudos to the OP. Keep the questions coming! That's how all of us learn. Most of the people are here to help or share experiences. Ignore those who jump to conclusions (without merit I might add) and try to put you down!
Good luck!