Sure, many informal fallacies derive from useful heuristics. The problem is occurs when these heuristics are used as hard rules, especially when dismissing criticism.

For instance, the typical 'privilege' argument is: "You are white/male/heterosexual/cisgender/educated/upper class/attractive/fit/neurotypical, therefore your arguments about non-white/female/gay/transgender/uneducated/working class/unattractive/fat/neuroatypical people are wrong."
It is reasonable that people with certain life experiences may have difficulties understanding the issues of people with different life experiences, but this doesn't mean that you need to share life experiences in order to make an informed argument. The "therefore you are wrong" part of the privilege rebuttal is a fallacy.