Yea I think that you are very kind. But, here is the part we disagree on-- white people do not fully understand racism and so it's wrong for them to try to determine what is and what isn't racist.
Imagine telling a child what constiutes their abuse or a woman what consitutes as sexism or a disabled person what constiutes as discrimination. A white person does not have to say "this applies to all Black people" for them to be racist. If their words and actions feed into stereotypes about Black people or other racial groups, then their behavior is racist.
Racism which is a component of white supremacy is all about playing upon the power structure that white people have. It's about abusing white privilege, not only about explicitly naming Black people as problematic or generalizing.