You're presenting this as a hypothetical, but this, plus a strict requirement to live as a heterosexual post transition, was the socially and medically enforced one way to be trans throughout the 2nd half of the 20th century. Transmedicalism isn't something that some weirdos in our community came up with on their own, it was invented by cis people to control us, and it still dominates most medical and legal systems worldwide.
The forced sterilization part in particular has been a core part of the first gender ID law in Sweden, it was adopted by many other jurisdictions, it was on the books in Germany until 2011, it still is law in Japan today. There's just a dozen nation states worldwide that legally recognize nonbinary people. Most medical systems still require some form of transmed gatekeeping instead of operating under an informed consent model, and a lot of trans people, especially poor and PoC ones, still need to live stealth for safety reasons.
"What's wrong with not knowing how to adress people in a way that offers the absolute bare minimum of respect and avoids outright hate speech?"