The inherent racism in your example notwithstanding, the two examples you chose aren't even comparable. You didn't say "a person of color" and "a white person". You said "a person of color" and a "white banker that worked at Bear Sterns". That's pure apples and oranges.

The relevant lived experience is being a banker at Bear Stearns, not the race of that banker. Also, how do I know the person of color isn't also a banker at Bear Sterns. I worked in Wall Street years ago, and yes, I had co-workers that were people of color.