If we all started with the same options, this would be true. Our limits would only be reflections of our preferences and natural abilities. Like in an RPG where we pick wether to be a warrior or mage or whatever - you go down a skills path by choice based on what you want to achieve and what resources (xp etc) you have.
Unfortunately people are born into an active system wherein millions of events from before they were born are exerting pressures on their lives, pressures that we are mostly unaware of until it’s too late.
There’s no neutral “fair” option. This sucks. It’s bad. It’s stupid. People’s location or race or sex at birth should not bless them or condemn them. It should just be an interesting detail. But those things have real effects.
Ignoring this means accepting the current biases as somehow natural, and continues rewarding those already born with advantages. Fighting it means adding NEW biases, and reducing the advantages inherited by people with privilege. Which naturally seems unreasonable if you currently enjoy the benefits of those advantages.
Solutions like yours, which require no work be done to change things by the privileged, and ask the less privileged to reinterpret the status quo so that they realize things are fine as they are, should be suspect. They are not all definitely wrong, but they are especially attractive because of their convenience. And that pretty exterior can mask their lack of actual substance.