What do you call a black person with a roof over his head? A convict
Are you making a joke about black people being homeless?
Well, they are all poor and they are all in jail, so they have roof.
Some people don't have the same opportunities in life as you, so it's not morally right to think down on them. When you say negative things about black people it makes you look entitled and superior, which is not true so you should avoid making those types of jokes so you don't seem insensitive.