The reason people pronounce “那个” as “nei ge” is similar to the reason why people pronounce “going to” as “gonna.” When words are spoken quickly, we tend to abbreviate. The spoken pronunciation of a language is often different from the “formal” written form.
The full form of what people mean when they say “nei ge,” is “那一个” or na4 yi2 ge4. This means “that one.”
Chinese people aren’t being racist when they say “nei ge.”
If the logic is that we can’t say words because they might be misinterpreted in a different language, then English Speakers should replace these two words?