Secondly, not sure how much you know about US history but slavery was a big thing that has a huge impact on what is culturally ok and not. As a non-white (non-black as well) individual I see white people judged even more harshly for using the word because of the historical loadedness of the word in the context of its usage by white people, so it’s not hard to see why it could be perceived as making light at the expense of a people who have been subjugated and continue to be in this country — Netflix, coincidentally, has a good episode of Explained that talks about how African Americans are to this day actively discriminated against by govt policy and businesses in a short segment on racial wealth disparity (to illustrate the fact that it’s not just a thing that happened in the past that you can forget about). I don’t see this as “programmed”ness so much as sensitivity towards a topic that is a much bigger deal to people who live in a society tinged by the after-effects of a really bad thing. Perhaps if society existed in a historical vacuum you might have a point.
Obviously, doing this when you're in a position of power means you're risking a lot more and so you have a lot more to lose.