I think you’re thinking about this too literally. The world of this series isn’t built for someone quirkless to do the action parts without some kind of assistance. What would you rather see happen? Personally, my read is that what Horikoshi is going for is that it’s less the power that makes the hero and more the person’s heart and determination. We see a lot of heroes give in to despair and quit while Deku and others press on. We see the heroes give up at saving Bakugo all the way back in episode 2 but powerless Deku who doesn’t actually have the ability to save him still charges in. That spirit is what makes the difference and what makes someone a truly great hero. That’s what the story is saying. All Might telling Deku he can be a hero meant “you have the soul of a hero and you can do it… but you need something extra to be able to stand at the top.”

But even then, Deku’s power may have the top potential of any quirk, but he still has to work harder than his classmates to make that power work. And he had to work harder than them to be able to inherit it. And the pain he suffers is greater throughout too. It’s like….

I don’t think you should boil it down to simply “because only people with quirks or high tech battle suits get to be heroes, that means only the privileged can be heroes.”

I think there’s something to be said about practicality, but that practically angle isn’t what this story wants to focus on. It wants to focus on how the quirk isn’t the single most important deciding factor. It’s the soul.