You say, "Sometimes you just can’t live the experiences of another person, but you still need to express your opinion about it."

I agree, but with an enormous caveat.

If their experiences are relevant, and you don't understand them well, you will sound ignorant at best, hateful at worst, and people hearing you should not excuse you lightly (even if they accept that it is ignorance rather than hatred).

We humans have an amazing capacity to understand things outside of our experience--this is one of the immense advantages of having language. Demanding that we have direct experience before being allowed to speak is, almost always, unreasonable. However, if we're motivated to speak without availing ourselves of our capacity to understand via language rather than experience--that is, to know what we are talking about--then we should very likely reconsider and just shut up until we understand enough for our opinion to be meaningful.