Those examples are not indications that people hold beliefs as universally applicable, especially those that were 100 years ago.
Also, most auto insurance still discriminates against men, especially young unmarried men, and we know for certain that’s not because every actuary with authority at every insurance company is under the impression that the increased risk is applicable to every single member. Likewise for life insurance that asks about age and smoking.
In case it needs to be said, there is a major difference between believing traits are universally applicable (which nobody believes) and believing that because something is true on average, that this is valid justification to discriminate against the whole group.
If someone makes the claim that a given trait is true on average, and therefore discrimination against a group is justified, only then should the discussion focus on that. Otherwise, it’s logically inconsistent, hypocritical, and even a little ironic to suggest or even suspect that individual’s line of inquiry is in any way connected to them suggesting or even suspecting a diminished capability from you (or any other specific person) as an individual.
> Plenty of people still use average and trends as an excuse to claim a gender (or race) is not as capable at some skill or career. It's not even that hard to find.
I’ve never seen this claim being made personally, and I don’t believe it happens with any significant prevalence, at least in the US. I could be wrong of course. I have seen many cases of people claiming that someone said it, only for the truth to come out that they actually did not.