group
writing about homophobia and racism when youve never faced it, especially when its clear you havent
YES!
My feelings are that you should definitely have LGBTQIA+ and POC protags, just don't write about what it's like to be in those groups if you're straight and white. In one of my realistic fiction stories I have Vietnamese and African-American characters, but I don't try to tell a story about what it's like to be Vietnamese or African-American in modern America.