Posters magically know better than the person on the scene! Sometimes they have perfect insight into the OP's way of life or relationships even when the OP says that it isn't the case.
TBF I know the post that @QuestionableMouse is refering to and the OP does have a few "plot holes", plus things that don't quite add up and isn't coming back to explain (probably because the thread is very much not going their way).
I think it's fine to make suggestions to fill in some blanks on threads as long as you are clear "maybe xyz this happened?" or "because OP said this, I assume xyz...", but not to completely reinvent their account and/or say you know better than they do!