Oh Bullpoop
I know there is a culture of a bullying and intimidation in each congregation. I know people who turn in slips with zero are treated differently. I know the panic that comes with each C.O visit.
When my wife was marked and no one go out into field service with her, I would drive the car and follow her though the neighbourhood. No way I was letting my wife knock on strange doors by herself. I see the way the people with UBMs are treated. No one offers to give a ride to an assembly, no one offers help moving, no one wants to have us over for supper.
It is the culture of a bullying and intimidation that got these women killed that was being enforced by thug elders. Just saying NO isn’t quite and as easy as you seem to think it is.