Any rational discussion about this topic had unfortunately lead to accusations of *phobia nearly instantly, without considering the content of the argument.
The issue is largely with youth not adults, yet every time the issue is brought out to attack adult trans people. Additionally this is somehow used to demonise trans people and that is then further used to limit access to puberty inhibitors which give trans youth more time to make decisions, and completely eliminate the actual problem with trans youth competing.
So the fact that this is the new favorite beating stick that transphobes use to attack trans people is probably why most people arguing this are called transphobes.
Flippant statements like yours then add to the issue because they try and dismiss the legitimate issues and nuances around this discussion and further lead to the voices of trans people being silenced, and the further attempts to restrict trans people's rights and access to health care.