As you can see, the many opinions and arguments, as predicted, are rearing their ugly heads.
Some IAW the regs, some "hanging out in" the gray areas of the regs, and some flat out wrong.
To each their own.
Good on you for raising the question. You have an inate sence of "this doesn't seem right".
Ply your own path, dude.
If it smells like cologne, leave it alone. If it smells like fish, it's a dish.
If it smells like low tide, give it a ride.
From a dude that got burned on this in the 90s, I'd walk away from this.
PM, if y'all want. I was in your shoes once.