Bigotry only.

When he called you a cracker, did he make you feel badly about yourself, abouy your skin color or did you immediately think "nigger" in your mind?

When he called you a cracker, did it matter to you? Did you think about how he and his gf were begging for change and you had money enough for all you needed?

When he called you cracker, were you oppressed or did it make you feel uncomfortable? Did it make you mad? Mad enough to hit, maim, kill? Or was it just another anecdote to list in your head to bring to this list and use as "evidence"?

Did he treat you like a cracker?

When he called you cracker, were you cognizant of any power he had over you, being that you were a cracker and he wasn't?

When he called you a cracker, did it make you feel dirty?