There are certain topics that you are losing whenever you are discussing. Chief among them are your fidelity, honesty, and solvency. The faithful, honest, and solvent rarely if ever find themselves needing to protest that they have these virtues. It is why underserved accusations of this sort are so tragic. But in order to protect yourself, it is a reasonable working assumption that whenever someone is telling you how they did not cheat, that "honestly, _______", or that they are not filing for bankruptcy: they are lying.