The difference is the beholder. If the beholder's income is threatened when people are educated about risks, they'll invariably declare it fear mongering.
My prior comment was so well received that I'd like to add that another motivator for claims of "fear monger!" is when people delight in their lack of concern, such that the concern of anyone else feels threatening to them.
I worked a summer shift at a heavy machinery factory just after high school before college. I was the single and only person, to my knowledge, that made use of the provided ear and air protection (a face mask and ear plugs, given that we worked with fiberglass with incredibly loud machines).
I was told multiple times that I was "paranoid" and faced a negative reaction because someone protecting themselves pierced a hole in the delusion that everything was fine.
