I was born in Asia and grew up there, so sorry I am not fully qualified to answer this, nor do I understand. I did grew up as a racial minority and experienced racial and religious persecution. I can comment on those, but regarding default-white, default-male, default-affluent, I have no comments. Maybe my fellow countrymen/women can vouch.
So, go back to the original topic. The topic is about you wanting to keep your mental health/wealth, sanity, inner peace. In this case, you want to avoid trouble as much as possible. People will bother you for everything, anything. You want to minimize this. In Asia, we prefer to keep the harmony, so to speak. Not saying it is perfect, no system or worldview in this world is perfect. Trade-offs everywhere. When you want to keep the harmony, then individual and group rights already take the second place compared to the majority.
In case you want to challenge the default status quo, the mainstream, then you can no longer keep your mental health healthy. It is already a warfare in your mind. It is a trade off. No war can be won without price. By going against the default status quo, you already signed yourself up to the battlefield, starting from your mind, and then, your body. For people who are oppressed, they never had peace from the start anywhere anytime, so asking this question for them is already a privilege, because they are already at war.
But the topic here is not about that, but about keeping your mental health/wealth. Mental health and wealth is like peace, it is a luxury. Those who have the chance to read the article above and relate to it, are living in luxury already. Peace after all, is the privilege of the victors.