I personally believe that it has to do with the context and how you post it. For example: If there is a thread regarding politics in Off Topic and you talk about someone you know that was being rude at Costco and injured another person just for supporting a specific candidate, then I don't see how this would be against the rules as long as you do not name them specifically and as long as it is related to the topic at hand.
On the contrary, if you create a thread with the sole purpose of making an accusation without naming the person, then that's when I think it becomes against the rules. A thread that only focuses on talking badly about someone, even without naming them, has no place on the RSOFs.
That's how I view the "naming & shaming" rule, even if you don't name anyone.
07-Jul-2020 17:24:55