It may be loaded, but our cultural differences need to be considered. On average Asian and Indian cultures place a stronger emphasis on grades. This plays a large role in why they have been very successful by some metrics. If certain questions are taboo, then we might overlook factors that are setting them back. That doesn't mean that external factors aren't relevant, but we need to consider everything.
We need to ask uncomfortable questions. That's not bigoted in itself. Look at the gay community. A lot of gay men engage in very risky behaviour that can lead to the spread of STIs. As an LGBT person myself, I can tell you that it is still quite common. We need to be able to ask if they are doing self harm. In fact, we have asked these questions, which has led to measurable progress (STI prevention strategies have helped significantly).
I wouldn't say "cultural" because that's pretty loaded. My point is more that if there were something structural about the economy that kept people in their class (big banks, bad public education, etc.) you wouldn't see high mobility in certain sub-groups. There has to be other factors in play--who knows what they are. But I wouldn't assume they're necessarily "cultural."