2. This would be a wonderful example, if this was REAL LIFE. But it's a game with (for example) randomized ability scores. So there is something unbalanced and unfun with GATEKEEPING in that manner- limiting the access to the best abilities by requiring the player to already have the best abilities. (The balance in the older editions was often "achieved" either through handwavium, like the optional psionic rules, or bizarre rules that were more of a hindrance to the party than the character- like no baddies with the Paladin).
3. Whether you find it offensive or not, I find it annoying; kind of like your response. YMMV.