Looking at your previous posts in other threads it’s clear you were comfortable with posting your stats and asking for advice, (and thanking people for it, and saying you would follow it) which is what the OP is doing. It’s not polite to classify as ‘toxic’ the answers people give to the request, particularly when those answers are grounded in reality.
Yes, some people do manage to transfer into top schools, but the vast VAST majority do not. There’s no need to lash out at the people who point that out just because if feels unfair.
It would neither be fair nor prudent for someone to provide the OP with false hope given that their stats put them in the ‘likely not’ category, primarily due to their financial situation.