3) It might also be a person who literally makes no connection between the two things, isn’t obsessed with race, but isn’t generally dense.
4) It might also be a person who isn’t racist, is aware of the accidental connection between that phrase and a racist epithet, has no racist intent at all, but still likes tweaking people who are going to leap to that tortured conclusion and go bonkers over it.
3) Winner
4) Also a winner but no intention of riling up a person who is already unstable as it stands.
I first heard the phrase in 1958. I got caught "stealing" a nickel out of my mother's coin pouch to purchase a soda at the supermarket down the street. I was 6. My father after work confronted me about it and I told him I had "borrowed" it. He was very direct and said "let's call a spade a spade here, you didn't borrow it, you stole it".