There's also the XY problem problem, where some people expect that every of a complex or unusual question is an instance of the XY problem, even when the requester really does just need a solution to Y.
It's also common on Stack Overflow, but at least there, others will answer the actual question you're asking.
I feel like this is one example of a general second guessing phenomenon. Sometimes that second guessing is accurate and sometimes it makes too many assumptions about the other person, or otherwise fails to consider other explanations for their behavior.