I saw a comment today on a post and thought "what a shit thing to say to someone' I really wanted to downvote that comment just to say I really didn't agree with their way of thinking but I didn't as I'm just a little fish and they had a big rep! A downvote for me would wipe out my whole post lol - I guess I need to grow a pair if I want to have say!!
RE: Another post about beneficiary usage which turned into something else