I don't think most people that use it in casual conversation (which isn't logically sound to begin with) are using it in good faith. In my experience, it's used

I don't think most people that use it in casual conversation (which isn't logically sound to begin with) are using it in good faith. In my experience, it's used to shut down concerns that people have based on previous experiences or history. It's also usually served with a "Gotcha!" attitude, as if the listener has found some golden ticket to shut down conversation.