From my extensive experience in this area (true crime podcasts lol), if your hitman is either quoting a reasonable price or offering a payment plan, they’re a cop.
Unless you’re in South Africa, in which case you can legitimately walk in to a bar and hire a murderer for a very reasonable price.
Racist? You might legitimately be the stupidest, and most presumptuous, person I’ve yet encountered. Seriously, fuck off back to Reddit, you utter cunt.