A perfect example is Donald Trump. Every argument about Trump became "he's a racist!!11", which caused people to ignore and focus on the wrong problems with him! There was a lot of negatives to Trump, and yet everyone just said "Racist, boom I don't need to argue any more!"
People started ignoring completely legit arguments because the racist angle was so overplayed. I'm sick of hearing racist as the end-all be-all argument. It doesn't work anymore, the card is overplayed. The only place it still works is in liberal bubbles. (Note I'm socially liberal, fiscal conservative moderate, no dog in this race)
When Ronald Regan said "welfare queen", did he mean to imply "black woman on welfare"? If I write, "Middle-eastern people are lazy" do I mean to imply "Arabs are lazy - but not necessarily Jews"?
I also wonder whether you can have a racist view of your own race. For example, a stereotype is that black people are inherently bad at math - are there any blacks that believe this?