Why Chara Hated Humanity, Why the Humans "Fell" into the Underground (or joined monster society)
This theory has been stewing in the back of my brain, lying in wait like a starved tiger ready to maul once its cage door has rusted open, and Undertale's 10th anniversary is the platinum bolt cutters doing their divine work.
It's going to upset a specific type of UTDR fan, for many others, I believe they will understand. It will sound harebrained, crazy, even potentially delusional; and I don't care anymore. It needs to be said.
Why did Chara hate humanity so much to the point of wanting to destroy them?
Why did Frisk and Chara "fall" into the Underground?
Why did Kris choose to live amongst the Monsters instead of fellow humans?
Let's look at something all of these characters have in common:
They all are canonically referred to by They/They pronouns and gender neutral terms.
What have so many "fans" of Undertale and Deltarune been doing in regards to these 3 characters since the games came out? Literal, actual, real life flesh and blood humans, have been doing?
Misgender them. Deny their respective personhoods. Try to decide their genders for them, trying to base it on how they look or act or how they interact with certain characters.
This is a real life experience for what I'm certain is every nonbinary person on the planet Earth. People trying to decide who nonbinary people are because they themselves cannot understand what it means to be nonbinary, because they don't try to understand, or they simply just won't accept it. It's too different. Too weird. Too freakish. Too monstrous.
We already know that the humans hated the monsters because they Looked Different, Were Weird + Freakish, and did things (like magic) that they couldn't understand and didn't want to understand. They were ignorant and "afraid" of the monsters to the point of being hateful; waging a war against them in order to force them Underground.
They're transphobic, and not the standard binary-trans-transphobic. They're transphobic in the specific type to nonbinary folks. They're exorsexist and enbyphobic.
Think about it: If they present as masc, the fellow humans would say: "Oh so you must be a boy, I will use he/him!". If they present as fem, the humans would go "So you're a girl then? She/her because I saw you in a skirt once". And presenting "neutral" is a whole other can of worms, because what is considered "neutral" gender in a world where gender is widely seen as binary "this-or-that"?? Some nonbinary folks don't even have the means to present traditionally androgynous, so it wouldn't even matter, they get misgendered either way. Humans don't want to do the heavy lifting of deconstructing gender as a construct, that's too HARD.
So they abuse, demonize, belittle, and essentially other these nonbinary children to the point where they would rather live (or die, like Asriel guessed Chara or Frisk was trying to do) with Monsters who would absolutely accept them and DO (and the evidence of this is apparent throughout both games and ALL chapters of Deltarune), because the Human Society saw them as just as Weird, Freakish, and Different that they all must be Monsters too.
Then it makes even more sense why Kris wants to fit in with their monster family so much. They don't want to feel like an "other" anymore in their own family, that they chose, that chose them back.
Chara was from a different and much farther back time. I speculate the abuse they suffered from being Nonbinary and Not Cis or Binary Trans was so bad that the Fall was actually an attempt on their life. Surviving and getting a chance at revenge for all they'd suffered at such a young age, as well as Freeing Their Chosen Family and the Ones Who Had Also Been Othered and forced to hide, OF COURSE they would give their life for that plan. The rage. The hurt. It could all end if they took out the humans.
For Frisk, we get the least amount of background information, but it would also make sense if it was an attempt on their life or just a desperate need for Peace, Acceptance, and Community. And that's exactly what the Monsters of the Underground give them after Frisk shows them that they mean no harm (we only get Frisk's name in the True Pacifist Ending).