I would say that you're right in some sense: most women are fine with someone respectfully asking them out. But the tricky part here is that there is a minority

I would say that you're right in some sense: most women are fine with someone respectfully asking them out. But the tricky part here is that there is a minority of women (say, the most sensitive 10%) who get genuinely upset or feel harassed by an indicator of interest in any given setting. When you're asking people out, you don't know what a particular woman's boundaries are upfront, and if you ask out the wrong woman, it can genuinely mess up your social or professional circles. This applies in friend groups and even if you look for positive indicators of interest: one woman might think giving a lingering hug is her being very explicit about her interest, while another thinks of a hug as obviously purely playonic and reacts very negatively if you take that as an okay to express your own interest. Dating apps prefilter for "acceptable to indicate interest to" and let you avoid an ambiguous landscape that's impossible to perfectly navigate.