Perhaps adding the ability to buy in-game purchases as the rich kid some are, is a more consistent way to look at the analogy. One could imagine a MMO where buying stuff really would make a lot of things easier, while the kid who enters the game because it's a free-to-play (for he has no money at all) would have to work a lot harder.
I've read this three times and I'm still not entirely sure what the first three paragraphs are driving at.
Mostly the idea that there's a self-perpetuating cycle between racism and economic ostracism, in the sense that it is quite easy to recognize a poor, just look at his color!, and thus he/she gets a harder life, whereas if one's a white poor, he is still able to fool someone into thinking that perhaps he's /she's not as poor as it seems, there's ambiguity there, whereas if one's black he/she's most probably just poor and can be dismissed,
even if he/she isn't! And these kind of self-reinforcing dynamics just reinforce the notion that economic policies can be "racist" by themselves.
Solving the problem by tackling only one thorn could be enough, but it's still a profession of faith to me.
For instance, if this was true, then one could argue that there was already sufficient time for this gap to close. Milton Friedman used to argue that the "black problem" was going to solve itself out due to simple but inevitable market forces. If for instance a certain company discriminated against hiring blacks, then the "wage price" for blacks would diminish (they would become a cheaper workforce for there would be more supply of it), and they would be then hired by non-discriminatory companies who would then compete against the discriminatory ones. The latter would be cheaper and thus more profitable, and thus would drive out the former out of the marketplace, getting rid of racism in a kind of an automated fashion. But this hasn't happened. The reason why is simple: companies do not look only to the wage of their employees in a hyper-rational manner. They are more complex and inherit all the societal prejudices within their corporate brand, which is what is then bought by the racist society at large.
Likewise, handing out money and so on might not be sufficient, and it even be counter-productive. To that end, the "47%" of "takers" could be rethorically substituted by "black thieves" or any other kind of unspoken truths (or spoken in unpublicited conferences) that everyone was however pretty much aware of.