I think the generalization isn’t really about white men per se, but about the demographic in power. Give a group unchecked power long enough and they forget how that came to be. I agree that it’s not a rule, and maybe should be expressed as more of a heuristic: if you are speaking to someone that is in power, and you don’t look like them, they might think you are not empowered.
Don’t let the lack of nuance in that statement take away from all the very valid points being made. The plight is real, and hopefully the white men who are enlightened enough to not confuse circumstance with natural order will read and know to not take it personally.
I still have a checkbook for the occasional handy man that doesn’t want cash or transfer. I’m pretty sure most apps take a cut from business accounts, and others will report to the IRS when you make a certain amount, so for some workers it makes sense to avoid the apps.
Zelle is somehow the one that is usually free and does not report, but my credit union has a daily limit for Zelle transfers, so if the bill is larger, I offer payment in check as an alternative to cash since it’s safer.