Racism as we know it today literally was a man-made construct devised specifically to prevent poor whites and non-white people from teaming up against the rich, and in general as a justification for the Transatlantic Slave Trade. Acting as if it is simply the natural order of things is telling as fuck.
In general though, a lot of the problems in the OP are multifaceted, but in general rich people just make them all worse.
I don't think anyone is claiming it's the natural order of things. And I'd also say that the majority of people in this thread that think that racism is a naturally occurring phenomenon also agree with your first point. I'd say it's that xenophobia, tribalism, discrimination, and racism are all words that blend together in people's minds nowadays and are easy fail to distinguish from each other.
It doesn't help that racism has entered everyday use and to the overwhelming majority of the populace, the nuance has been lost. There is little understanding of what makes racism so much more insidious, it's history, how it's been institutionalized, and what the distinction between what was before and what was after it permeated the entire world.
Racism was built upon the human tendency towards tribalism, xenophobia, and stereotyping. None of these are things unique to humans, we absolutely see these things in nature. What's happening is a failure to distinguish these base tendencies which can be observed and explained as evolutionary pressures on animals, and racism, the human construct built upon human manifestations of these same traits.
I don't see the point of presuming the worst of people when most everyone on here is within spitting distance of each other on the political spectrum. It really just seems like a nuance thing where one party is missing a piece of the puzzle. A thorough, nuanced understanding of racism and why there's a special word for it is not something everyone is going to run right into on the internet, even in left aligned spaces.