I kinda wonder how confident we can be in allegations of insider trading. Say there's a company like Equifax that was on the verge of disaster and a major fall

I kinda wonder how confident we can be in allegations of insider trading. Say there's a company like Equifax that was on the verge of disaster and a major fall in its stock price. How many executives and middle managers satisfy the two conditions of (1) having received stock in the company and (2) being somewhat aware of the impending disaster? I imagine dozens if not hundreds. At any given point, it's natural that some of these people are selling stocks for reasons unrelated to the disaster. I mean, imagine you're an employee who has stock in your company and want to sell it to buy a house or something. Do you basically have to ensure there's no impending disaster before you dare to sell your stock, otherwise you're a criminal?