“rich white people"? Why not just "rich people"?
The thing about systemic racism is that even if every participant is legitimately trying to give everyone a fair chance, the existing systems (artifacts of redlining, for example) are still biased in a certain direction, and will end up giving discriminatory results.
"Black people with upper-middle-class incomes do not generally live in upper-middle-class neighborhoods. Sharkey’s research shows that black families making $100,000 typically live in the kinds of neighborhoods inhabited by white families making $30,000."[0]
[0]: https://www.theatlantic.com/business/archive/2014/05/the-rac...
There is still the issue that many POC don't even get this opportunity to be selfish, but that discussion doesn't lead to much