We all have to check our optimism bias; the problems we face, in our own lives and as a society are (sadly) often worse than we think. When white people only interact with other white people and choose to be informed through only carefully-filtered channels of communication, that optimism can transform into a powerful delusion even when supremacism is avoided. There is progress, though, Black Lives Matter is successfully breaking through the information bubble and raising awareness. 2015 polling indicated a slight majority of white Americans (53%) now agree that we need to “continue making changes to give blacks equal rights with whites” (up from 39% in 2009). As I see it, the rest are the most responsible for monetizing the prejudice as you describe, yes, but the system is self-reinforcing, with influence both directed upward and reflected downward. I‘m sure we can both agree on the idea that institutional leadership, our communities and national culture all need to be under popular pressure to change.