That's exactly what prejudice means. Prejudice means you have negative preconceived feelings about something, but it doesn't imply that you act on them. Calling someone 'tribal' implies that they are acting upon their prejudice beliefs.
There are no positives to being a tribal, but as long as you remain silenced about them; then it can do no harm.
well it's not as if racism hasn't affected things other than one's own reputation before
no, certainly not
Racism has caused a lot of negative things, same with religion, tobacco, marijuana, and many other drugs. It doesn't mean that every person should have a questionnaire on whether or not they are a tribal. That is nobody's business.