I kind of agree that it's a lot more classist than racist... for one, because you can't actually be racist towards whites [from what I understand, I could very well be wrong here].
As I understand it, racism is racial prejudice backed by social power, so since whites are, in America, at the top of the racial power structure, no, that wouldn't really be racism, even if the disliking is being done by another white person. Pardon my giant ugly sentence.
Also, policing people's purchases for "acceptability" seems like a lousy thing to do, much like policing people with handicapped plates/placards in parking lots. Just as you can't tell if someone has chronic pain, or fatigue, or injuries that make it difficult to walk far, or over ice just by looking at them, you can't tell (as Kaie pointed out) what's going on in someone's life just by looking at them. Also the "poor people don't DESERVE anything nice" is an increasingly common thing that just really aggravates me. A cell phone is not indicative of wealth, and possession of a cell phone by someone who isn't wealthy is not indicative of frivolity. I don't know about where you folks all live, but up here, housing or enough food to feed an adult (much less a family) for a month costs a fuck-ton more than a cell-phone plan, even one that includes data. So having access to a phone number and e-mail seems like a good investment of limited funds if you're un- or under-employed, since then you're accessible to potential employers. Also, you have the option to , oh, I don't know, stay in touch with friends, loved ones and support communities, which is especially important if you're down on your luck and out of work or unable to work. It's pretty damn unlikely that that cell phone, much less that magazine, is all that stands between them not needing social assistance to survive. As for the charity - hell, there are charities I refuse to support, and times I don't donate to one I usually support because I already gave earlier that week, or because it's the fourth time today I've been asked, or because I'm tired and stressed out and just want to end the whole being-out-in-public-interacting-with-strangers thing RIGHT NOW. Again, all you see of their lives is the few minutes they're in line - maybe they are entitled douchebags you can shame into social awareness, but again, maybe they aren't.
As for the not wanting to be nice to anyone who is sexist, ableist, ageist, classist, racist, what have you - OK, I get that. However, policing other people's parenting or purchasing decisions seems, well, obnoxious. Maybe the caviar purchaser is someone of your economic bracket who saved up for a dinner party on a special occasion, or maybe they're just someone who works a more lucrative job than yours and can afford to eat caviar for lunch twice a week. Neither is actually a crime or even an indication that they're a terrible person. (Neither makes them an inherently better person either, obviously). It just indicates that for whatever reason, today they wanted some caviar and were able to purchase it.
Anyhow, your pattern of loathing doesn't make you racist against white people, and there's really no requirement that you like everyone you meet. On the other hand, policing for people who don't meet your standards of "appropriate" behavior for their race and apparent class status (particularly if they just saw you interacting with someone you approved of) is likely to cause just a little more pain in their world if they catch on. I'm thinking here of being hardest on white people on WIC or food stamps - which is in and of itself weird - white people should be "better than that", but it's OK if POC are on one of those programs? Are there other forms of "racially appropriate" behavior you watch for? That might be an interesting thing to check, actually. I'm not trying to be snarky here, I'm just really curious about why you'd specify whites on food stamps as being "bad," and what other behaviors you check against race to see if it's OK.
I'm just going to stop here before I go tangenting off again, actually. I've reached and probably surpassed my coherency limit for the evening.