Personal Incredulity

What is it?

Saying that because one finds something difficult to understand that it's therefore not true.

Why is it bad?

Complex subjects like server bot architecture or Discord API limits require some amount of understanding before one is able to make an informed judgement; this fallacy is usually used in place of that understanding.

Example in Chat

@clueless_userYesterday at 5:00 PM

I don't understand how the verification bot can securely check my game stats without stealing my password, so it must be malware.