A dumb question might be something like "I can't log into my server with `ssh server.com`. It keeps rejecting my password when it asks for `user@server.com's password`. What's going on?" The user might not know to explicitly add `admin@` on the command line.
A lazy question is "My server that I bought doesn't let me log in!" Come on, you need to address 1) what result you expect, 2) the exact steps you take, 3) the result you obtain instead, and 4) any other details a non-omniscient being might need to answer your question.