I'm amazed, I know more about this than Famine does. Wow, my feet are cold. Hell must have frozen over.
Any site, is accessed much like a house. A forum, is simply a room in that house. The owner always has keys to the front door, and back door. The content of the site, is in another room. That other room isn't visible, but it is always there. The doors to the house are always there. In order to lock the owner out of the house, you'd have to either have keys, or the owner left a door or window open.
With a shared hosting platform, a group of people share floors in this house. If someone left the doors open to theirs, chances are someone can access your floor.
Can you find an example of a site, which is nothing more than a forum?