Currently, that is what the default is though for a western perspective. Most products are designed to hit that market because that demographic has the most resources, for a lot of complicated socio-economic reasons that I'm not qualified to really describe in a way that they deserve.
Those structures were designed around that default demographic, where those extra products and incentives are attempts to take what is working for the default and allow others to enjoy the benefits that was only afforded to the default.
For example: I as a trans woman, even with those extra supports and incentives to help me, I find that when presented as man or now when I don't tell people I'm trans it is easier to operate in society/organizations in general. The incentives don't help or make things so much easier or a comparison to how much easier it was traversing as a default demographic.
Those structures were designed around that default demographic, where those extra products and incentives are attempts to take what is working for the default and allow others to enjoy the benefits that was only afforded to the default.
For example: I as a trans woman, even with those extra supports and incentives to help me, I find that when presented as man or now when I don't tell people I'm trans it is easier to operate in society/organizations in general. The incentives don't help or make things so much easier or a comparison to how much easier it was traversing as a default demographic.