"Paternalistic" implicitly assumes I'm male and that's kind of a problem if we are wanting to treat all people with respect as a baseline means to make the world a better place.
We absolutely shouldn't be interfering in a colonial sort of fashion, but the reality is that "not interfering at all" is not a realistic goal. The only way you get that is by not interacting at all and that amounts to calling for not trading with poorer countries which is an excellent means to ensure they remain poor and can't develop.
The reality is we already do interfere and often in ways that make the people going in to "help" feel good more than really helping. Real help does, in fact (as you suggested), require one to have some kind of baseline respect for people that many people lack generally.
I will suggest that if you think maternalistic has positive connotations but paternalistic has negative, you should spend some time examining your implicit assumptions about men, women, parenting roles, etc and wonder exactly why you think the female-coded version of that word is not negative but the male-coded version is.
FWIW: I'm an environmental studies major (as background for wanting to do urban planning) and I'm far from ignorant. If you weren't intending to insult me, leading with calling me paternalistic and ending with saying "...so people like you can keep ignorant..." seriously fails to achieve the stated intentions.
not as a gendered term targeted at you.
Gendered language is kind of a thorny issue for the English language. Not all languages are like English. Japanese and Farsi default to gender-neutral pronouns and cultures that default to calling people by their family name instead of their given name also sidestep a lot of these issues.
The US had a women-only baseball league during World War II and someone said (or somewhere I read) that it was the era of radio broadcasts and baseball defaults to referring to players by their last names, so listening to a game of baseball with women-only was experientially nearly identical to listening to men's baseball:
"And Smith is up to bat and knocks it out of the park for a home run, winning the game!"
It's probably a fiercely fought battle with English because it's the default lingua franca for the world and doesn't play well with a lot of cultures that feel forced to use it. Various proposals for fixing it come from interest groups rather than arising naturally in an emergent fashion and strike people as unnatural, top-down solutions to a problem they personally may not have, so see no reason to pursue.
/off-topic tangent, oops, because linguistics and social issues are both interests of mine