I think your quotes around "insults" are a pretty good example of how you can use an otherwise normal question to cast doubt on someone without even changing the wording. That technique isn't limited to fairly benign examples like this, face-to-face communication has subtleties that are even harder to pinpoint, and especially if someone has social anxiety or trouble speaking in front of groups, something like that can materially damage someone without even having real criticism. If there's real criticism mixed in, especially if the person speaking has clout in that context, that person can either inform someone or totally harpoon them with the same exact criticism. That is a foundational skill among lawyers who take depositions or cross examine people during a trial.
