My entire life I've heard white people shaking in their boots about BIPOC playing the "race card". That supposedly any legitimate criticism a white person has of a Black person (say) will be deflected by that person saying the white person is being racist. And then everyone around will immediately take the Black person's side.
The catch is, this is never what actually happens. What instead happens is that now the Black person is revealed to be a "biased" person who can only see race and thus is doing the most unfair thing worse than the centuries of slaving and genocide: making a white person feel bad.
It's the BIPOC who has revealed that they are "irrational" and have a "victim mentality" and thus should be disregarded. The race card is a trap card.
Yes, I very much know a vanishingly small few BIPOC who do seem to use it that way and get away with it. But the reality in pretty much all cases is that even the slightest most kindly put criticism is a severe breach of the anti-conflict protocols of whiteness.
And despite claims of ignorance, I suspect most white people know this is how it actually works because it leads to the real goal: making BIPOC afraid to bring these things up.