It means if you're "white" your grandparents weren't denied home-loans simply because of their skin color.
It means if you're "white" your grandparents and parents weren't the target of laws specifically designed to destroy your core family unit.
None of this is the average "white" person's "fault", they are not individually "responsible" for the "privilege" they've unwittingly enjoyed.
However, there should be some acknowledgement that many of their neighbors did not enjoy the same unspoken, invisible "privilege".
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