I missed the voting window for your post. I'm going to make it a point to check steem more frequently.
The four character phrase you mention above, 不好意思, I've always viewed this as appropriate for the situation you mention, but also as a phrase that means the speaker is acknowledging that it's a potentially embarrassing situation, except the speaker doesn't necessarily feel any fault, guilt, or embarrassment for whatever is happening.
Am I completely off with this usage?