Hmm now that the topic has changed, let me interject.

I don’t think you are racist just because I think you don’t know you are offending somebody. However, like “madhise” (instead for madhesi), the word “jyapu” is taken by most people as a derogatory term. When you say Jyapu dai, some people might let it go but most will be like “kallai jyapu bhanis oye m***.” Try saying jyapu to one of the newar (of jyapu origins) guy you meet next time and tell me that you didn’t feel awkward. Unless the person is a close friend of mine or my enemy I would never use that term. Even calling people of Brahmin origins “Baun” could be termed derogatory depending upon the context but it certainly isn’t as offensive as Jyapu.