I wrote a long post about a recent D&D campaign I quit because of an important (to me) but apparently disposable (to the GM) trans NPC, and the GM’s “defense” that their narration of the surprise death was only a consequence of PC action. Then I deleted it because who cares about the detail. Not sure an X-card would have helped with that situation as it developed, but you never know. It might have saved about a year of campaign.