Here's the difference as far as I can see it:
While anyone can be racist, the racism I may hold or any other minority may harbor is not a fundamental feature of the institutions that define this country. Your racism matters as a presumably white person because, as of now, you run things.
There's no doubt that this country was founded on institutional racism in the form of slavery and that a lack of financial resources is a big factor in the current state of affairs. There also seems to be a cultural clash of sorts which I think is largely responsible for "racial tensions." I put that in quotes because I don't believe that cultural attributes are racially-specific. Of course, most cultural traits are a result of the environment a person grows up in, which in the case of many blacks, is poverty. Not to discount legitimate racists in the truest sense, like the Charleston shooter, it appears to me that modern racism is blown way out of proportion; although the residual effects of racism in the past have undoubtedly contributed to the current circumstances. I also realize that it's easier for a person on the outside of a problem to critique it
objectively when they don't have personal experience on the matter - that's not to say that my objective reasoning isn't influenced by my own subjective perspective and values, however.
But most often when I see the race card being used, it's to deflect responsibility and excuse bad behavior. I've seen this several times in the workplace and I'm appalled when someone claims that their skin color is why people don't get along with them, when they are being rude, disrespectful and contentious toward others. Some of those behaviors may even be defensive in nature because they
feel like they're being judged or discriminated against in some way, therefore, it's justified in their mind. If someone grows up being told that an omnipotent oppressor is there to keep them down and prevent them from being successful in life, those ideas will probably influence their sense of identity, attitudes and goals for the future. Who is perpetuating this self-defeating worldview? Is there a white overlord whispering in their ears or is it their peers, parents and cultural influences (music)? The birth rate for the lower class is exponentially higher than it is for those who have the means to financially take care of their children, and in many cases, these children are being raised by a single parent. If they're not being taught values at home to succeed in life and avoid criminal behavior, most likely they will end up as another statistic in the prison system.
Obviously, this problem is multifaceted and I'm not claiming that racism, particularly in the past, hasn't had a major impact on the current situation. But if a person adopts antisocial behaviors, they're not going to be well-received in the workplace nor probably any area of their life. It doesn't matter how much money the government invests in social programs; until there is a change of values and perspective, the problem will continue to repeat itself. That might seem overly-simplistic, but I think behaviors play a much larger role in racial tensions than skin color. And to accuse someone of being a racist for judging a person based on their behavior is, in my opinion, faulty reasoning and only leads to further misunderstanding and hostility.