The Karen meme is about white women leaning very hard on their white privilege. And every time you say the words "white privilege" someone somewhere will play a reverse racism card.
If you think racism can’t be applied to some people because they have magical immunity due to their skin color, you’re a racist.
This is one of the uppermost citations on the Wikipedia page for the term.
https://time.com/5857023/karen-meme-history-meaning/
"Marginal immunity" is also looking at it the wrong way. One should instead consider how a nonwhite person would be treated in the same situation. Let alone any incident involving the police in the US.