It thoroughly confuses me that many people have come to the conclusion that people saying “closeted trans people do X thing quite often” actually mean “all people doing X thing are trans.” I don’t know how half the replies here have come to that conclusion.
This meme is reductive, only talking about it like it’ll be either a trans person or toxic cis dude, but it’s a joke. Jokes need to be some level of reductive to work. Otherwise you’re just describing a funny situation in real life. (Also, reread the meme. They never say those are the only two options, they just say those are two possibilities. That’s not the same thing.)
But yeah, offering to help somebody who you think may be trans acquire resources isn’t a bad thing just because the majority of people won’t end up needing it. Just politely decline it if you don’t. Nobody’s trying to force you to be trans. They’re just trying to help the people that are.