I prefer to avoid sharing ideas about financial problems and trading analysis because we know people's character if we give the wrong analysis and cause losses they blame us, it's better to DWYOR. We make our own analysis and do it ourselves, unless they ask about our analysis, maybe we can share a little.
I agree with some points. With some, I have another way of approach.
As for sharing ideas about financial problems, instead of avoiding, I would suggest them to visit financial advisers out there to help them or if it's just a light problem then I could share mine thoughts as well. As for trading analysis, I'm not an expert in trading (I would love to

) hence, I'm not in the position to give them some analysis but instead, I would say to them to reach out an expert in trading to help them if they really want to trade or learn it by themselves.
Like you, I don't want to get blamed by the losses of others. I don't want to be a problem to others that's why I'm kind of hesitant to give some advice as well.