Yes exactly. The fact that the "XY problem" exists, and that users sometimes ask the wrong question, isn't being argued. The problem is that SO appears to operate at the extreme, taking the default assumption that the asker is always wrong. That toxic level of arrogance (a) pushes users away and (b) ...what you said.
Which is why LLMs are so much more useful than SO and likely always will be. LLMs do this even. Like trying to write my own queue by scratch and I ask an LLM for feedback I think it’s Gemini that often tells me Python’s deque is better. duh! That’s not the point. So I’ve gotten into the habit of prefacing a lot of my prompts with “this is just for practice” or things of that nature. It actually gets annoying but it’s 1,000x more annoying finding a question on SO that is exactly what you want to know but it’s closed and the replies are like “this isn’t the correct way to do this” or “what you actually want to do is Y”