if you’re not a straight, white, male, it’s acknowledging the extra hurdles of discrimination (intentional or not), and the limited access to famialial resources that you might have to overcome for which the straight white male would not
Assuming you know something about someone only due their skin color is pretty fucking racist. That includes assuming a white person has familial resources, or assuming that a non white doesn’t.
It’s odd sitting here having to explain that stereotypes are bad.