I'm not so bothered by this personally because it's not someone asking / giving advice and getting blasted by it. That's the real crux that I see.

The scenario you paint is uncomfortable - only because there have been a fair number of situations (music and elsewhere) where the white person really has raked in the cash off a minorities good idea.

Luckily my friend was the competitor trying to compete in a market much more crowded than she perhaps realized.