So it seems for most people, the term "racism" does not refer to privilege + power; e.g., those not in power can still be racist.
I think the privilege+power people should use a different word from racism so this is less confusing.
You don't need to assume malice. Most of the people who do it don't intentionally engage in motte-and-bailey tactics, but it usually functions that way. And it rarely helps to point it out to them.
Well unfortunately you're wrong. And your axiom to prefer assuming ignorance rather than malice is nothing more than wishful thinking.
Malicious people are all around you.