Welcome to the forum, Rakker.
Your introduction is very thought-provoking. I have read it over a couple of times and felt the need to reply.
First, I wanted to point out that this forum is not a gossip-mongering site, so I think the danger of someone who is “innocent” and being harmed unnecessarily is extremely remote.
When someone is investigated on this forum, it is for a variety of reasons:
1) Someone has had a personal experience with the person.
2) The person has a website where they state what they are selling, along with other explanatory information.
3) They write something on a blog, on their Facebook page, in the comments section of a YouTube video, or
make a comment on another forum.
Everyone starts out in the Research Needed area and are only moved to Frauds when the administrators feel there is enough evidence to put them there. Most people stay in the Research Needed area.
The person being investigated always has the option of coming here and defending themselves if they feel they are presented unfairly. Unfortunately, they usually make themselves look even worse, but that is not always the case. If they convince the administrators that they were presented unfairly or that they have made the changes needed, they will be moved into the area called No Longer a Matter of Concern.
One of my favorite sayings is “Believe nothing of what you hear and only half of what you see”. So, as far as this forum goes, we seem to be somewhere in the middle because we are hearing (listening to someone’s personal experience) and seeing (reading the computer screen). It is up to every individual coming here to make the decision about what they feel is true.
It is my feeling that it is the responsibility of each person to educate themselves before they start throwing money at someone who supposedly intends to help them. This forum is an excellent place to “connect the dots” and put everything in one place. When you do that, an amazing picture sometimes emerges where inconsistencies in their stories start showing up.