This is an important phenomenon that I think is really tricky to tackle. Because, I think your observation is 100% true. But, it also comes off as rude. But it

This is an important phenomenon that I think is really tricky to tackle. Because, I think your observation is 100% true. But, it also comes off as rude. But it really is probably the case that most people making general statements to the effect of "I've got nothing to hide" don't actually believe what they are saying, or they haven't fully worked out the implications.