True... But, Franklin Richards was born with his powers -- Cloak and Dagger was not -- Franklin is (or was due to a lousy retcon) a mutant proper and Reed needed the use of Annihilus' Cosmic Control Rod prior to Franklin's imminent birth or Susan and Franklin would have died - - as explained in Fantastic Four Annual #6.
How many human(s) do you know of - - born with potential powers - - didn't have an X-Gene?