It's a shit meme, so it's worded poorly, and, naturally, does the exact opposite of what it intends to convey.
You're correct, though. There's a difference between being a racist and expressing racism because the latter can be (and, for many of us, is) unintentional. That's attributable more to the pervasive nature of racial inequality than it is to intrenched social attitudes. For instance, law enforcement tends to be racially biased not because the police officers are biased but because historic public policy and resulting socioeconomic forces tend to contribute both to continued suppression of POC and the perpetuation of biased stereotypes. For the average white person, white privilege is one such thing we benefit from despite not being willing participants, and being aware of the discrepancy between how you are treated compared to other racial groups is counterintuitively about compensating in a general sense. As such, the best way to compensate for, say, the discrepancy between perceived bias at your workplace is to demand that all employees receive wages and benefits that are considered to be sufficient for living.
The list tends to be crassly specific and confrontational, but it does reflect a fundamental truth about racial inequality. We tend to treat racism as a function of hatred when it's really a structural defect in our society that begets said hatred. It's fundamentally impossible to treat all people "equally" when you're not treating all people fairly. The concept of urban redevelopment is something that I get to see first hand because it's what I do for a living. The term gentrification gets thrown around, but I don't think a lot of people get what it really means - specifically gentrification isn't the process of rehabilitating or rebuilding depressed communities, it's the process of capitalizing on rehabilitation in a way that isn't sustainable for the community. My brother lives in the West Adams district, one of the earliest affluent neighborhoods in the city that is has recently seen revitilization. Because many of the homes in this neighborhood were for rich people at the turn of the 20th Century, rehabilitation is something of a no brainer - putting in relatively reasonable investments into the neighborhood make it an attractive option for people looking to move closer to the city center. The problem is that it also means affluent buyers can buy the properties at submarket rates, invest modestly, and resell those properties for double what they paid. The problem here is that it this easy way to make money for a smaller time purchaser contributes to long time residents being forced out of their homes either by greedy landlords or new purchasers who have to boost rents to afford the mortgage. As a matter of course, those being forced out aren't necessarily being targeted for their race, but the action disproportionately affects POC through their socioeconomic standing. As such, careless (but not illegal) actions by people who are interested only in making a quick buck have the unintended and devastating effect of deepening institutional racism and stifling the viability of the community as a whole.
Ultimately, painful sacrifices by white people have to be made for the betterment of all people regardless of color. Having white privilege is not a mark of shame as long as you understand that it isn't a license to take advantage and it also isn't an excuse to be unaware of the ramifications of your actions.