I don't think that people experiencing racism have "surrogate adversity", but I can certainly relate to the general notion. I've "struggled" with this because I too had no "real" adversity in life and people like some greek philosophers and Nietzsche put adversity into their centre of attention. I'm convinced that sometimes, people just get hurt by adversity without any advantages later on. It’s also perverse to think that the pain serves a kind of purpose, it justifies an extremely toxic and abusive mindset. If it happens and you can grow from it - that's wonderful. But it should never be used as an excuse to do harm or to endure abusive situations, especially if the abusers are using this kind of narrative.