Making people feel bad is what makes something culturally insensitive. Gaining the perspective necessary to tell when that might be the case isn't so simple that you should sum it up as 'you could fix that'. As you well know it can be nuanced.

Worse, it just occurred to me that you're chastising some one for asking questions in order to 'fix that'. This isn't a 'just asking questions' guy topic so there is really no reason to doubt motives.