I almost skipped this movie because of the whitewashing issues, but I'm really glad I didn't, because I agree with everything you love about it.

The things you say about Elsa living in fear and isolation reminds me of the conversation I had with my husband about Elsa's story being a metaphor for living with depression -- isolating yourself from others because you're afraid they would reject you if you knew them, and from fear of hurting other people. I think it works really well on that level, too.