Exactly, lazybear's take is very close to the moronic thinking making people believe that men can't be raped.

Stop making simple concepts complicated.

I'd say it's less that they are an idiot and more that they don't understand there is systemic racism and interpersonal racism (there is probably a more official term here but interpersonal covers it well enough for a Lemmy comment).

Systemic racism can only be done by the majority group with the power in a given system (usually government but it could be perpetrated in a religion, an institution, club, etc.). Red lining is a great example of that. Segregation as well. Things done by the group in power to the ones not in power of the given system. Throughout the history of the USA, this means white people oppressing other ethnicities but especially black people.

Interpersonally, anyone can be racist. They can hold racist views and hate others without knowing them beyond their appearance.

Edit: strike through on majority. While most commonly it is a majority group in power, it doesn't have to be a majority group, just the group in power.

Because what they really want to say is "it's okay and even just to be maligned to white people" without having the stones to actually say that.

This argument has been going on for 60 years, by historians and educators, black and white, who are much smarter than us... Here's a reddit comment I found that detailed the argument well (paraphrasing)

the purpose of "power + prejudice" was to move discourse away from the idea of being racist as a personal failing, and instead focus on structural oppression and the material reality of minority groups.

Basically liberal society largely seems to have conceived racism as 'being irrationally mean', but for people with a materialist anti-racist perspective, that definition isn't productive or insightful and the lack of material, tangible progress for black people post-civil rights made it clear that there needed to be more focus on power dynamics and historical context to combat racism.

Beverly Tatum's work offers an informed and compelling perspective on the matter