The white settler has the power as a group to make rules.

Sure, but that’s the whole issue with collective punishment – you’re punishing individuals who may have done little to nothing wrong for the crimes “their group” broadly causes. It’s an enormous contradiction to say on one hand that the U.S. is a white bourgeois democracy where ordinary people have basically no influence on government, but on the other hand say every powerless white person is accountable for the actions of that bourgeois democracy.

There’s a similar contradiction with correctly pointing out that race is a social construct explicitly crafted to divide disenfranchised groups who might otherwise challenge bourgeois rule, but then turning around and saying “actually ordinary white people do have more in common with the white bourgeois than they do with their fellow workers.”