I think the issuenis two fold for priveledge - one is that connotationally it sounds like an attack and has occassions of being used as a cudgel. The very name

I think the issuenis two fold for priveledge - one is that connotationally it sounds like an attack and has occassions of being used as a cudgel. The very name has an implicit "undeserved" applied to it and guilt. Even without any selfish evangalists the terms are pretty needlessly confrontational when they need to be winning others over. Pointing out "we don't experience it that way" is a very good instance of the concept of privledge. It is good communication period given that they would lack your baseline that the "nice polite old lady" down the street screams racial slurs at them whenever they pass by. Lacking evidence they would have little reason to think that. But dismissing a point of view entirely because the source is privileged? Bad. Heck even if the view was laughably naive and wrong like "children work in sweatshops instead of going to school afford candy ans junk food since that was what I did when farm working as a kid" is good to know where their points of view actually came from. When it comes to privledge sometimes they may really know more and not simply have social status denied to others. Someone with an upper middle class upbringing may result in being ignorant at what bread, milk, and eggs are supposed to cost but know that credit card debt should be avoided whenever possible and how to diversify investments and maintain properly liquid buffers for emergencies. Someone from a poorer upbringing obviously wouldn't have the investing skill set due to lacking the prerequisites let alone the education and experience. It isn't fair but it is real and knowing that is the first step to fixing it. Pretending sensible investing is just a bigotted social construct of priveledge doesn't help while promoting financial education does.