I'm going to say something that I think everyone is innately aware of but nobody has articulated (I'm POC myself, for context).
Generally speaking, physical beauty and money overrides race. The more you have of both, the less your ethnic origin becomes a potential reason for something to dislike you. If you go to any ultra luxury 5 star hotel in the world you'll see a spectrum of people from all races and the atmosphere is incredibly harmonious. The reason being that they are all united in "richness" and that is far more of a uniting factor as opposed to their different races being a dividing factor. Every single human being appreciates physical beauty and your acquired political prejudices don't kick in immediately when you see an incredibly beautiful person. So extremely attractive and wealthy people cannot compare their experience of perceived racism with the lived experience of another POC who is does not fit typical beauty standards, living on the poverty line and doing work that's invisible to society.
However personality always remains a reason to dislike someone, regardless of their social status or appearance. Someone could be incredibly rich and successful but based on their actions or words, you have a fully justifiable reason not to like them.
These are the two issues that keep getting conflated with the Meghan debate and in she actively encourages it via narcissistic manipulation. Whenever faced with criticism, she quickly reduces her identity down to one single thing which is that she's (part) black. Therefore any dislike of Meghan can only be because she's black, which makes the perpetrator a racist. But ironically, in her own description of her identity, she's a wildly multi-faceted person ranging from wife, mother, friend, feminist, activist, philanthropist, actress etc. Surely there could be variables in all of those which are valid reasons to dislike her that have nothing whatsoever to do with race.