You can actually mod the forum packages to store passwords in plaintext serverside if you wish, the users would be nonthewiser, I did it as a social engineering project and walked away with an entire music scene's passwords, I wasn't exactly ethical back then. Needless to say, the stuff people keep private is often boring and of no concern to the admin types. You might catch a few dirty messages here and there, which can potentially be exciting if you know those people in person, but it's just meaningless without personal context.
Point stands though, you're the only one who can censor yourself or find secure channels to transmit personal data such as incriminating/private photos & other forms of media.
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