The part you see isn’t mold, but the spores. Mold almost looks like spider webs and it is very hard to see without a microscope. If there is anything visible it means the actual mold had already grown much further and deeper. As others have said you can cut of the visible part plus an inch or so for hard cheese (and some vegetables or apples), but for other cheeses or food it is a no. Throw it all away. At that point it already spread throughout most of the food.