This has not been my experience. In my experience, once I get acquainted with my Black neighbors and coworkers, they are far kinder and more gracious than most white people I've known.
As for care and support of white allies -- yeah, we could do better at that. But that's allies job, to support each other. Black people have enough on their plates. I've gotten bogged down in survivor's guilt and tried to discuss this privately with other allies. But instead of holding space for me with a gentle reminder to learn, forgive myself, and do better next time -- I get scolded and shamed for "white supremacy" and "white fragility." The Left eats their young.
Back to your main point -- I've lived in Black / Brown neighborhoods most of my adult life, for financial as well as personal reasons. After a while, my neighbors seem to consider me as honorary Black. Even overheard some kids say, "She's not white, she's bright-bright."
I'm not sure why my experience has been different from yours. I can think of a few reasons but they're just speculation.
I gotta say, though, your statement about Black people's implicit bias against white people hit a nerve. Remember the black doll / white doll test? Although that test was first done 60 years ago, repetitions of this experiment have shown that the results still hold to this day.* Maybe your experience has been different from mine because you expect your Black neighbors and coworkers to be biased against you, and confirmation bias takes it from there.
In my experience, Black people are the wisest, kindest, and Godliest people I've ever met. That's why I support the interpretation of Deuteronomy 28, that CHOSSA folks are God's Chosen People.