I'm not a stickler for expiry dates but more for whether the item is truly spoilt. If you see mould on bread, there's probably more mould than visible. Unlike bananas where I will just skip the black parts.

No if you see the mould that means the fungus has spread further than that

Definitely not as the full bread is already affected and not good to eat

No, it suggests the rest of the bread won't taste very nice anyway.

If the mould is really very small, can still think of. Otherwise no

I dont want to take the risk of getting stomach ache...etc

For bread, if it's moldy the whole thing is hazardous

Nahhh, better to buy a fresh loaf of bread!

No, i will throw away the whole bread

If it's small part of bread is fine