Agreed. But the argument for paying off smaller debts first, isn’t that comparing interest rates is confusing, it’s that the experience of retiring debts is motivating and you want to get some wins sooner.
If you are aware of how much paying off part of a debt reduces the interest you pay every year, paying off part of a high-interest debt should be more motivating then paying off part of a low-interest debt.
I’m sure there are free spreadsheet templates where you can put in all of your debts to see the total interest you pay and how much paying off a certain part reduces it. I think most people are capable of finding such a template, and if they aren’t, they’re still capable of using one, so it would be more helpful to point them to one then to tell them to pay off smaller debts first.
The point of saying sorry when you bump into one is not to imply a policy update, but to signal your current policy: Every time I bump into someone it makes me feel bad, therefore I’m only going to move at such a speed that I’m liable to bump into people when I really need to.