Well, that's the point. The specifics make a difference. In my example, it appeared that a roommate unknowingly permitted a friend of theirs that I never met t

Well, that's the point. The specifics make a difference. In my example, it appeared that a roommate unknowingly permitted a friend of theirs that I never met then or since to run up big charges at billable services on the apartment telephone line that was in my name. (I understand what my mistake was and because it was so long ago it's not a sore issue.)