Stand up for 'Mum and Dad'

I’m starting to get so antsy about the constant use of Mum and Dad as an adjectival phrase. You know the one. We hear about the Mum and Dad entities all the time. Mum and Dad investors. Mum and Dad retailers. Mum and Dad franchise holders. Mum and Dad ratepayers.
The Americans have their own version, as in Mom and Pop. In Australia they just call them battlers. I suppose it’s taken over from that older all-encompassing phrase ‘the man in the street’ which never worked either because it ignored women. Whatever, paternalistic words like this always come out of the mouths of people in smartly tailored suits, who work in splendid offices, drive (or get chauffeured in) gleaming new cars and who never come across as being part of any sort of family.
It always feels like they’re talking down to the rest of us. When they say Mum and Dad you know they’re referring to rest of us out here who are just members of the masses - possibly undereducated, needing advice, liable for manipulation, needing to be told what’s good for us.
I get the feeling from such authority figures that they think Mums and Dads are a bit thick and dour and very ordinary. And as we all know, that sure ain’t the truth.