"i can imagine no more dissatisfied human being than an educated, cultured, and refined coloured man in the United States"
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The Millionaire is saying something that has become painfully obvious to the narrator. The narrator decides the millionaire is not prejudice rather than he has insight into the state of America's prejudice. The Millionaire knows how bigotry is ingrained in the white American mind and no amount of education a black person has can change this prejudice.