I've noticed how asking a question is converted into an insult by the one being questioned and the response is rarely a straight answer. Tough questions get ignored. And sometimes when people don't understand or misinterpret, rather than asking questions, they'll simply fill in the blanks, create their own conclusions out of thin air, then run with it. That often creates confusion and disagreements by default since the clarification that should have come first, comes last.
You mentioned politeness but in this day and age, especially online, the simple act of saying something someone doesn't want to hear is seen as impolite. Asking questions is erroneously converted into bullying; and before you know it there's an entire mob beating you with word sticks for being different. And once you're down and out, they go back to pretending to be the saviors of humanity, standing up for the disadvantaged from the comfort of their own devices.
RE: Not Not Financial Advice