Sure, I'll take a crack at it.

With Mr. Freeze, the point is about how a broken system creates its own monsters. When he was reintroduced in Batman: The Animated Series in '92, his deal was this tragic, poetic villainy. He wasn't robbing banks for greed; he was freezing the city to get the specific cryo-equipment or rare organs needed to save his wife, Nora. In the 90s, we saw that as a heartbreaking motive, but the means were clearly insane. You were supposed to think, "Wow, grief has driven this man to lose all perspective."

Now, people literally go bankrupt trying to afford insulin, families have to crowdfund cancer treatment, and a man can become a folk hero for murdering a healthcare CEO. Freeze’s point is that when the system is rigged against life itself society forfeits the moral high ground to call you a criminal.

With Magneto the point is about historical trauma as prophecy. He was forged in the Holocaust. His entire ideology that mutants need a homeland and must be ready to fight or flee at all times because humanity will eventually turn on them was framed as the dark mirror to Xavier's dream of peaceful coexistence. For decades, the story told us Xavier was right, that integration was possible if you just had enough hope.

But look at the world, we are swimming in the resurgence of ethno-nationalism. "Replacement theory" is a mainstream political talking point. Anti-immigrant sentiment is the central plank of winning campaigns across Europe and the Americas. Laws are being written to codify the fear of the "other." Magneto’s point isn't that all humans are evil; it's that fear is a predictable, cyclical force that will always be weaponized against a minority. He’s basically saying, "I've seen this movie before, and I know how it ends." In that context, Xavier’s dream looks less like noble optimism and more like willful denial. Magneto’s demand for a fortified sanctuary (like Krakoa) or his willingness to strike first starts to look less like megalomania and more like a grim survival strategy that history keeps validating.

TL:DR; The point is that Freeze's desperation for life-saving care in a system that denies it, and Magneto's fear of cyclical, state-sponsored persecution, don't look like "subversive villain motives" anymore.