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As an example, how would one characterize this question?...hypothetical as is, or across the legal advice line?

Just looking for some broad themes here...

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Here's one criterion: The absence of sufficient information to provide legal advice.

E.g., in the example question the state (in fact, even the country) is not specified.

Another criterion met in this case, even if enough information were provided to admit competent legal advice: The question amends itself to good answers that do not provide legal advice.

Of course, no answer on this subject is complete without referencing the authoritative discussion of this question: Policy for questions that clearly ask for specific legal advice

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