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I hope I am not getting paranoid about where society is headed, but if I heard that being said while somebody was taking pictures, my first thought would be that the guy taking pictures knew the guy that was talking to me and was taking pictures for my protection because the guy talking to me couldn't be trusted (you know all the gals disappearing lately). Since I wasn't there and didn't see exactly how it was happening and didn't hear anything that was said that would be one thought for an action and comment like that. And along the same train of thought thinking the same thing, the guy also could have been making a bad joke about his friend. My thought is focusing on his choice of words as he said Insurance, not blackmail, proof, caught ya, wait til the wife sees this, etc.......
Stay safe and here is to hoping it was something different and completely harmless because alcohol can make people do and say stupid things!