Look at Operation Ore in the UK - it was started when the police were given a list of people who had, it was said at the time, used a credit card to access child pornography. Many men were aressted but most released with a "caution" which they accepted rather than face potentpal charges - a caution for CP, however, is enough to place you on the SO register in the UK. There was a presumption of guilt since their cards were used. However, it later came out that the site in question was a massive porn-hub style place that, while it DID contain some CP, also contained every other kind of porn under the sun, most of which was perfectly legal. The men on the list had paid to access the site but there was actually no way to tell what content they had looked at. Even in cases where all charges were dropped, lives, careers and reputations were still ruined! This is why people worry.