Dude, I know exactly what you're talking about, and it ticks me off too! I have half jokingly said in the past that I would create a whole slew of white superheroes and be sure to use the word WHITE in their names! It is just a lack of imagination on the part of the people who come up with these superheroes. It's almost as if they feel the need that they feel you need to know the character is black.
Stan Lee, perhaps the greatest writer of comics ever, was never afraid to leave large words or hard to understand words in his scripts and to not put in any explanation to the meaning. In fact, he WANTED kids to go to the dictionary to look them up! Again, it comes down to laziness on the part of the writers.
If you think the degrading effect in comics is bad today, get any book on comics from the 40's and 50's to see truly offensive comics. The racial stereotypes and hatred towards Asians and other foriegners in those comics is something else. Today, even tho they are politically incorrect to the extreme, they do have some camp value because they are easy to laugh at for their ignorance.