There is no stereotype or accusation in the claim that most, in fact likely all, white South Africans benefitted from apartheid. It's not an accusation since the vast majority of them did nothing to seek such benefits and some even actively opposed it.
Nonetheless they benefitted because the laws of the land DEMANDED they benefit. And their children benefitted from the inheritance of that benefit.

Try reading up a bit about "black tax" to get an idea of the difference.

The typical white student or young worker falls on hard times, he does what I did at the time, phone mom and dad and ask to borrow some money to see you through for a while. They won't charge you interest and they're flexible on repayment.

The typical black kid doesn't get to do that. In fact - for her it's the other way around. She's probably sending a chunk of her salary home every month to save her parents from destitution.

That's a legacy apartheid benefit right there. And those who despised apartheid got it too.