I think there are two things going on when people insist that "this could happen to anyone," and then get irritated when you say, "No, it couldn't happen to me."
First, a lot of people are still stuck in the "I don't know what happened" stage. As if they slipped in the garden and accidentally had sex with someone for seven months.
That is still a form of cognitive distortion. They do not want to look too closely at themselves, because doing that means confronting the traits, beliefs, rationalizations, wounds, entitlement, avoidance, validation seeking, compartmentalization, or whatever else allowed them to repeatedly make those choices.
"This could happen to anyone" is much more comfortable.
If it could happen to anyone, then maybe there is nothing particularly important to examine in themselves. Maybe they were simply unlucky. Maybe they got caught up in circumstances. Maybe infidelity is some kind of human weather event that occasionally blows through people's lives.
But affairs do not just happen. They are made up of decisions. Usually a long series of them.
And that is really the heart of why I disagree with the idea that everyone is equally capable of infidelity.
I do not think I possess some magical quality that makes me immune to temptation. I think I simply lack many of the motivations, coping mechanisms, and ways of interacting with people that commonly lead someone down that path.
I do not particularly need external validation. I do not derive my self worth from being sexually desired. I am not especially afraid of loneliness. I can tolerate rejection, frustration, and sexual dissatisfaction without needing to escape from them. I do not tend to solve problems by creating a secret parallel reality. I do not believe being unhappy entitles me to quietly change the terms of a relationship while continuing to accept all of its benefits.
When something is wrong in a relationship, my instinct is to deal with the relationship.
If I am unhappy, I say I am unhappy. If something needs to change, I try to change it. If the relationship becomes intolerable, I leave.
What does not occur to me as a reasonable solution is to lie to my partner and build another relationship behind their back.
That difference matters.
There are people who feel attraction and move toward it. They feed it, enjoy the secrecy, test boundaries, rationalize each escalation, and see where it goes.
There are other people who feel attraction and simply leave it alone.
There are people who become unhappy in a marriage and start looking outside of it for relief, validation, excitement, sex, or escape.
There are other people who confront the marriage, tolerate the unhappiness for a time, or end it.
There are people who are very good at compartmentalizing. They can put their spouse in one mental box, the affair partner in another, and avoid forcing the two realities into contact.
Other people do not function particularly well that way.
Those are real psychological and behavioral differences between people.
My own history gives me some reason to know which side of that divide I tend to fall on.
I have already been deeply unhappy in a marriage. I have already been sexually frustrated. I have already disliked my spouse. I have already had attractive women make themselves available to me. I have already had opportunity. I have already been in circumstances where an affair could have offered sex, validation, excitement, escape, or revenge.
I did not do it.
Not because I was never tempted by another person, and not because I am morally perfect. I simply did not interact with those situations in the way someone has to interact with them for an affair to develop.
The second thing going on is that saying, "No, I would not do that," can sound like a claim of moral superiority, even when that is not what you are saying.
For whatever reason, people have a complicated relationship with anyone they perceive as "better" than them in some respect. We admire people we place above us, but we also have a strong tendency to pull people back down when their behavior creates an uncomfortable comparison.
There is a strange duality to it. People will idolize celebrities, including celebrities who are obviously deeply flawed, but someone who appears genuinely more disciplined, principled, or morally consistent can provoke hostility.
There is a reason the metaphor of crucifying Jesus works so well. The offense is not merely that someone claims to be good. The offense is that their existence creates an uncomfortable standard.
So when someone says, "Everyone is capable of cheating," and you answer, "No, I am not," what they may hear is something much more threatening:
"You did this because there is something about you that made you capable of doing it, and that thing is not universal."
And that is a much harder idea to live with.
Because if infidelity is simply a universal human frailty, there is less to explain.
But if there are people who can experience the same loneliness, resentment, temptation, opportunity, sexual frustration, marital misery, ego injury, or desire for validation and still refuse to betray their partner, then circumstances stop being a sufficient explanation.
Now you have to examine what happened between the circumstance and the decision.
Why did you respond to loneliness that way?
Why did validation matter that much?
Why did you protect the secret instead of protecting your partner?
Why were you able to compartmentalize the harm?
Why did each boundary violation become permission for the next one?
Why did you keep choosing it?
That is the part I think "this could happen to anyone" can sometimes obscure.
Maybe it can happen to many people. Maybe more people are capable of it than they would like to believe.
But that is very different from saying there are no meaningful differences between people in the motivations, coping styles, boundaries, values, and decision-making patterns that make an affair possible.
There clearly are.
And recognizing that is not necessarily ego.
Sometimes it is simply knowing yourself well enough to understand how you behave when temptation, unhappiness, and opportunity actually show up.