Using the voltage difference between two different rails of a psu is really very common in electronic equipment, no big deal, within the specified load limits. The higher voltage input augments the delivery of power to devices wired between the lower voltage and ground. When using a fan at 7v, for example, there must be sufficient load on the 5v line to prevent overvoltage shutdown. This is normally not an issue, there's lots of load on the 5v line in a PC. This is also linked to voltage regulation, something that power supplies do poorly at very low load. In the example where the psu fan slows down when a 7v load is added, I suspect that the new voltage is actually better regulated, closer to spec.
It's an easy & inexpensive way to quiet overcapacity fans, something all novice overclockers seem to buy. While it's true that not all fans will start reliably at 7v, fewer will do so at 5v, making 7v a better compromise. Not hard to find out, if it starts twenty times in a row, it's good to go. I have two fans running at 7v for over 6 months, no problems. Even tried 8.7v, but it didn't quiet the fans enough to suit me.
Wouldn't it be nice to be able to pick the right fan the first time, the one that will do the job with the least amount of noise? Only in my dreams...