How can anyone understand privilege?

[realityquestions]

I live in a country that I was born in but belong to an ethnic minority, married to a man who was born in this country and has ethnicity from the country. We have kids who look more like my husband and are generally seen as 'native' or at least mostly 'native'.
My husband can't understand why it is different for me than it is for him. We needed our car fixed and he told me to get someone to fix it but the person asked me for double the amount than him because they thought I would agree and not ask questions.
I am lucky and earn a good amount and more than my husband and am glad I can feed my family. My husband expects that he can feed his family as a right because he was born here.
If I can't work I can't pay the repayments for the house but my husband jokes about stopping work because I earn more than he does.
My husband does not stress about money but I can't sleep because I am worried about not being able to work.
We are also very lucky because we can afford luxuries but there are people who can't pay for the basics. Is it unreasonable to be annoyed at my husband who cannot understand that the extra burden of being the higher earner?

I'm unsure if you're upset with him for not recognising his privilege of ethnicity or for not earning more than you.
With the former, I think it's always hard to understand what it's like if it's not you. All you can keep doing is challenging and such comments towards you and retell him about those that happen to you.
If he doesn't earn enough for you then you need to decide if you want to continue on the relationship or not and how honest you're willing to be

All he says is that he understands my point of view and won't say anything else. He has also said that I work too much and need to spend more time with him but my job means I need to spend more time working to keep my job

So he says he understands but you say he doesn’t understand? Why do you think he doesn’t? Maybe he just can’t foresee the outcome of how situations might play out like you can, but I don’t think you can blame him for that.