I think the respect part is what most people do take into consideration. Researching is a great endeavor on its own, but just as you mentioned, there is a difference when someone writes from experience vs when someone writes from researched knowledge. It's just a lot easier to write with backgrounds and stories that align to your experiences because they're easier to connect with. Most people wouldn't intentionally disrespect a demographic different than their own, of course. I think what it also comes down to is the writer's personal preferences and boundaries as well. The characters someone decides to write in these kinds of environments shouldn't be the only indicator of that person's knowledge or experiences as a whole.