The difference in racial bigotry & homosexual bigotry is the former is forbidden by a matter of law, something the later does not enjoy.
So what you are saying is that you think it is ok to discriminate against someone based on their ethnicity, race, sex, whatever but you dont do it because those are protected groups and it's against the law? Are you one of those people that thinks that anyone who is not religious and does not have gods law to protect them from going out and murdering and raping people at random?
Seriously? The only reason that you don't discriminate is because it's against the law. And then you wonder why we need these laws.
Businesses have the right to refuse service. Is it discrimination if the bank refuses to give a loan to someone who walks in wearing smelly rags pushing a shopping cart?
There are these things called fairness in lending laws. If that smelly dirty bum looking person can prove that they have the financial means to repay that loan, then the bank should and would make a loan to that person. If you are afraid of someone a little smelly, you probably have never come home after working a blue collar job.