No I am sorry, the social contract is not as simple as you make it out to be. I will disprove this with examples.
Example A
I'll start with the most direct one. A CIS Straight White Male(Person A) playing FFXIV thinks the voice actor for the main character in Dawntrail did a terrible job voice acting. They later find out after reading through the forum that the voice actor was trans. They don't hate trans people themselves, and may even have trans friends, but they also believe that DEI hiring practices exist, and know of things such as ESG where these companies get funding from powerful, wealthy firms and individuals for upping their ESG score. They then conclude that this trans person was a DEI hire, not because they hate trans people, but because they have a strong belief that DEI hiring practices exist. They now voice this in a discussion board, but you would immediately label them as a bigot, no? Because how do they convey to you that they believe the voice actor was a DEI hire and their performance was genuinely terrible?
Example B
A CIS White person is a supervisor at a company. Upon going through metrics, he notices that an LGBTQ person has terrible numbers and customers are complaining about them. He warns the LGBTQ person that they need to improve their performace soon or there will be consequences. The LGBTQ person's performance does not improve and he has to fire them. Upon which point they take the supervisor to HR saying the reason they were fired is because the supervisor is a bigot and hates their minority status. Would this then make the supervisor a bigot in your eyes?
Example C
A trans person is allowed to fight a woman in an MMA match and gives her permanent injuries. A group of people emerges that protests and strongly disagrees with trans people being allowed to compete against CIS women. Does that make this group of people bigoted?
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See the problem is that the term 'bigot' is used way too loosely nowadays and often with the intent to silence CIS Straight White individuals or people who disagree with the LGBTQ agenda. So no, the social contract is not that simple and yes, it is nuanced.
You're welcome. I wish someday we could all have civil discussions without dehumanizing the other side. I acknowledge that the other side can have their own hatred too, of course. Really we should not be striving for either extreme, but a middle ground.