Difference Between Allegation And Opinion
If you are expressing a general opinion on the basis of your experience and observation and it does not involve any person in specific then this is not considered an allegation and there is no moral issue involved here. If however, your opinion becomes very specific and targets a particular individual, then you must have some reasonable basis before pointing fingers at that person. In the absence of that basis, you will be guilty of slander, which is both a sin and can also become a crime in certain situations. Videos of Ghamidi Sahab provided in the following thread shed further light on this matter: Discussion 77702