There are plenty of people in those 'privileged' categories who are not playing on easy mode. A given person fitting that description isn't necessarily represented by the average
It’s okay for privilege to be intersectional. A straight white cis male can still suffer from ableism and classism. But it’s also okay to acknowledge that even in circumstances like being disabled, being perceived as a white cis straight male will have benefits compared to a black trans woman in the same situation, even if that situation sucks for both parties.
It's also okay to not assume that certain categories of people are sheltered and naive, based solely on their gender status and inferred ancestral composition. And in need of a public calling-out and talking-to, based solely on those observed properties.
Which is what started this whole sub-thread, after all.