Sounds like you have a firm grasp on this one ma’am. White people associate racist with the Klan and lynching, and not with more subtle forms of racism they’ve evolved into. Casual racism is okay to them, and they don’t associate it with being harmful to us.
The only point I disagree with is that everyone is racist. People of color and Blacks without power or representation can be prejudiced, but not racist. Racists have power and has deemed their racial group superior. No other group in America has done this accepts White people. Blacks and most other ethnic groups have no political or social power in this country.