Yes, it's loaded, which is why I never use the word "privilege" myself. But the reason it's loaded is because these terms were created by people who largely don

Yes, it's loaded, which is why I never use the word "privilege" myself. But the reason it's loaded is because these terms were created by people who largely don't believe in advantage that's "earned". They believe all outcomes comes down to circumstance outside of an individual's control (lucky genes that predispose them to hard work, born into a wealthy family, born into a good country, born in a good area). Or that any effort expended to achieve an outcome is done in a context that enables that effort to exist (partner who takes care of menial work), and enables that effort to be productive (being a member of the upper caste that affords you opportunities so you can turn effort to money, or being part of a rich society that can afford to give you money for your effort). The effort -> outcome pipeline isn't context free. This all comes from the usual leftist perspective on things. So while I partly agree with your point here (although with less cynicism), that doesn't detract from the case that there are large societal consequences to having a social construct of a racial majority, which is divisively and unfortunately labelled "whiteness" in the US. You shouldn't throw out the baby with the bathwater in your criticism.