An even bigger issue you immediately run into in these conversations: someone will say "I don't mean heritability that way, I mean genetic heritability". Which, whatever, except: now you've discarded all the science. The papers you'd draw these numbers from are referring to heritability in its technical sense, not in some message board sense.
Yes. I mean, either you're talking about statistical properties of a population or you're talking about something else. These discussions usually devolve into "something else" almost immediately.
You can have intuitions about any of these issues, but you can't use heritability research as evidence for them without understanding the technical meaning of "heritability". That's all that's being said here.