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If she's talked positively about her family before, and posts acknowledge that, it would be Death of the Author (since the listeners might have the attitude of her exposition of family life not being a deal breaker). If it's just about this one song, it may just be Sliding Scale of Social Satisfaction (metaphors about the right place to live/be satisfied).
...On the other hand, I don't think we have a YMMV trope/Audience Reaction that covers literal interpretations of things other than Paranoia Fuel (which this doesn't seem to be, going by the "gotcha" tone you mentioned), Epileptic Trees (which is more about theories that are recurring) and Everyone Is Jesus in Purgatory (which is about symbolism rather than metaphors). Seems worth TLP'ing if it's defined as "one line is thought to definitively be a metaphor for x". Could be a subtrope of Less Disturbing in Context.
Silver and gold, silver and gold
THE TORTURED POETS DEPARTMENT has fallen victim to many of its lines being interpreted literally. I've seen several examples on TikTok and Twitter, but one that frequently comes up is people being baffled that the narrator of "Who's Afraid of Little Old Me?" says "You wouldn't last an hour in the asylum where they raised me". They would post that line, plus a picture of Taylor Swift's rather nice childhood home. Many of these posts seem to have a "gotcha" tone as if calling her a liar, or misinterpreting that she's talking about her family life, which she has frequently sung of positively. In context, the song is about her struggle with the music industry and her public image. Therefore, the asylum is a metaphor for the vicious industry, with Swift having been a child star and spending most of her life "growing up in the asylum".