Comment by NiloCK

I believe that social cooling is a thing, and I also believe that the observations you're making are legitimate. Three points that might reconcile these ideas:

1) social cooling is a long-term, slow-burn, bring-pot-to-boil-so-slowly-the-frogs-don't-notice problem. Pointing out some social heat to discredit it is analogous to people discrediting global warming because they've experienced an unseasonable cold snap in their town.

2) By your own description, there are knowledge gaps inside the "social fire" crowd - they don't understand (potential, future) consequences like housing discrimination, work prospects, etc. I don't think it will take more than one generation for these realities to become common knowledge.

3) Finally, people who consider themselves hopelessly marginalized will be susceptible to 'social fire'. People who don't have anything to lose are prone to this (eg, what factors go into someone's decision to get on board with looting?). More solidly situated members of the public, with reputations (salaries, ongoing business concerns, etc) at stake, are likely to be more careful.