I empathise with most of this and thank you for bothering to respond without resorting to 4chan energy.

The problem that remains unresolved is the refusal of some people to acknowledge that, like in science, observation is not without cost. What ends up happening is the observation of these trends then causes casualties of blame - in your example we could say the huge population of white people who dont fundamentally see black people in any light other than equal. An insult based on a black billionaire being a greedy billionaire gets called racially charged, when actually, it's entirely class based. This reliably means that (for example) white working class boys/girls are left to rot.

Personally I see most of these prejudicial issues being an exclusively American problem that has been exported abroad, to the extent now that its difficult to untangle.