Very much this. The Netherlands is essentially a frat house kept afloat by dangerously unregulated immigrant labor, a dwindling number of middle class professionals and tax laws that would be an embarrassment to all but the most unrepentant of tax havens.

Pretty much this. Despite the fact that I am blonde and from Europe. Plus (from my perspective and specific to the Netherlands): it's an ecosystem of speculating "professionals". The Tax stuff is all done in Dutch. Accountants and the likes demand huge fees, and the Tax Authority assumes you are a Tax Resident if you incorporate a BV there. It took 4 years after I left Amsterdam (and about 20k EUR) to get rid of the annoyance of the Belastingdienst / Accountants demanding I would file personal and business stuff there, while I was actually living in another continent. I have been living in more than 8 Countries up to now, and the Dutch Society is the only one I am positive I will never ever try to join again.

We're in agreement - I did not mean to imply it's an exclusively Dutch problem, I was just pointing out that it's a problem that isn't brought up that much when people talk about issues in Dutch society.

Also, since "white" is a flexible term that varies per country but always basically designates which socially constructed ethnicities are the "exclusive clubs" on top of society, it should probably be pointed out to for everyone who has no experience with North-Western European whiteness that people from Eastern and Southern European countries are not considered white in these countries most of the time either, except perhaps when they're compared to immigrants from countries even further away.