There is a difference in racism, prejudice, and respect. I'll break it down for you in words that you can understand in a nice numbered list.
1- Racism - To be a racist is to think that a race/races is inferior/are inferior to another race/other races. What you refer to as "white guilt" has no effect on whether or not someone's race is viewed as inferior. To be a racist is simply foolish. It has been proven that ones race has little to do with the potential of a race. It has more to do with where and how you're raised, your state of physical and emotional health, and of course a lack of birth defects (like how BADPLAYER has an extra chromosome).
2. Prejudice - This is what is often confused with racism, and wherein I believe your beliefs are most accurate. Persons belonging to various cultural groups can often be stereotyped, especially since members of these groups more often than not belong to the same race. Low income African Americans in my part of the country fall victim to some prejudice due to their affinity towards violence and milking the welfare system. There are also low income white people who have largely identical lifestyles. Both groups were born and raised under similar circumstances, and the members of both groups tend to end up the same way. The reverse also applies.
3. Respect - There is an element of white guilt that permeates through society, and I have been accused of having it myself. I detest the 'N' word, but it is not because I feel guilty. I am a very prejudiced person. The types of people described in my second bullet particularly irk me. I hate people who are resigned to do nothing with their lives and waste away while wallowing in self pity and blaming others for their circumstance. That being said, I have enough respect for African Americans and their struggle in the civil rights movement. Their methods of protest were the right methods, mostly. People died to earn equal footing in the United States. Out of respect to those people who died, and what they fought for, I do not use the 'N' word. I bitch at my friends when they use the 'N' word. Out of respect for people who I have met and have known people in my life who were alive during the civil rights movement, who remember the civil rights movement, and who had participated in the civil rights movement. Out of respect for them as well, I do not use the 'N' word. I am not sensitive, but I respect those who do not wish for that word to be used, therefore I do not use it as a sign of respect.
I am sorry if you are too immature or too stupid to understand these concepts, but I hope the moderator team reprimands you for immaturity and poor trolling tactics.