As a forum member who has spent a lot of time debunking some of the common myths, I think it cannot be overemphasized that the root cause of almost every disease is a parasite or bacteria or fungus. Case in point, there are a lot of people who may tell you that ich is in all water, which is absolutely false.
That said, if there is a very small population of parasite, fungus, or bacteria, and then the fish is stressed, that is when the fish's immune system starts losing. Several of the books I have note that at least 95% of problems occur due to poor water quality. Poor water quality weakens the immune system, and then the parasite, bacteria, or fungus may attack the fish unchecked, reproducing quickly until it gets out of hand.
A really good analogy is the advice your mother gave you to wear your coat in the winter, or you'll get a cold. Just being out in the cold cannot cause a cold virus to spontaneously appear in your lungs. But, when your friend coughed and you inhaled that cold virus, your immune system may have been weakened because you were out in the cold without a coat. The cold did not cause the virus, but it did give the virus an entryway into your system.
So, on the one hand, the primary cause of the disease has to be in the tank in the first place (very good reason to quarantine, eh?). But, then, even if there is a tiny infection, the fish may live a very long and content life until its immune system is stressed. In my mind, the moral of the story is quarantine and stress-free.