When we talk about things, we use our accumulated knowledge to create a context. However because that knowledge isn't the same for everyone, the understandable context can be similar, but different.

So for example, a person who doesn't know about college trans athletes, but knows about trans won't understand the same context as someone who knows the subject in depth or as someone who knows little about the concept itself. But if they all recognize the 1% as the rich elite, then they can all vaguely share that partial context.

It might be an exaggeration in my case because yeah, still I would say that people in general should avoid expectations for everyone participating in this kind of conversation to share the same understanding of the context at hand.

Common sense isn't universal. Perception is unequal. Divergence in way of thought is to be expected.

But yeah, I support both opinions you've extracted independently from each other.