This thread goes to show that people's preferences differ. Some people object to being asked any questions about their past unless the asker is well known to them, others are happy to answer no matter how questions are asked, some don't mind so long as it's phrased a certain way.
I think that everyone (including those from marginalised groups) would feel better and get along better if they took each other at face value and gave each other benefit of the doubt. So, if something has piqued someone's interest (accent, name, skin colour, clothing) they should feel that it's ok to ask, in turn, they should be ready to be told that this isn't something the person wants to answer. Nether party needs to be offended. I think those who take offence do so because of the inferences they make about why the questioner or responder has acted this way.
I have a visible disability. I work with people with autism who often ask me very direct questions about it. Mostly, I answer directly. Sometimes, I am not up for that, and I say that it isn't something I want to talk about at that point in time. Many people consider these exchanges acceptable but would object if the questioner was neurotypical. Why is this? Why shouldn't anyone ask if interested?
We are led to believe that there is malign intent (often outside of conscious awareness) behind most people's interactions with marginalised groups. We are told that questioning this is racist/ablest or a sign of internalised racism/ablism.
Discrimination exists, and there are significant inequalities in society. intolerance also exists, but we won't get anywhere through behaving intolerantly towards each other as we go about our daily lives. Whist some are assuming various acts are micro aggressions, others are fuming about accusations being made about their motivations/ignorance. I fail to see how tensions between neighbours will help address inequality.
How about, if someone asks you something you don't want to answer or have concerns may be coming from a hostile place, just state that it isn't something you like to discuss. And, if you ask someone a question and they choose not to answer, how about accepting this without judging the responder. Neither parties know what underpins each other's actions but jumping to conclusions, that may or may not be correct, is bound to cause upset to yourself and others. .