Obama said that she, being a "typical white person", felt afraid when she saw a black man on the street. It's much less ambiguously insulting--and much less true--than what Clinton said.
It's now in the bulging Republican playbook. We can discuus it further in September.
Gramma ratified the statement in his book. It's true and not insulting.
Implying that non-whites are not "hardworking Americans" is both untrue and insulting.