As we know, the line between what table talk is acceptable and what is not can be a bit blurry at times... I know where I ended up in this case, but I'm hoping to get some other opinions on this ruling.
Final table, all players fold to the button. Button raises all-in, which is about 3-4x the BB. SB is the short stack, and is pondering his decision. SB says: "This is really close. I would normally call if it was anyone but you. But I think he (meaning the BB) is going to call you here, so I have no choice but to fold. I fold." Ultimately, BB folded, and pot is shipped to the button. SB remarked to BB "I thought you were going to call, that's why I folded".
I have no reason to suspect that any of the players are colluding... the sole issue is whether SB's statements made during his turn to act would be considered acceptable table talk, or would warrant a warning or penalty.