The only thing about goblins is that they are bankers.

That's categorically NOT true.

If you hear bankers, and think Jews, that may be that You are stereotyping.

Or maybe the fact that you see figures modeled after a Nazi stereotype of Jewish people and think "just bankers" is a You ignoring the obvious to defend the indefensible thing.

Shacklebolt and Cho Chang I consider just poorly though through names

Nobody forced her to give them racist names. That she did so anyway is lazy stereotyping at best, intentional racist belittling at worst.

As for the elves being slaves, that has depth.

Here we go with the slavery apologia..

The characters in the books ask them, if they like what they are doing. They like it, they talk about it, we see the point of view of elves

Just because they've been institutionalized to think that slavery is the only way of life for them doesn't make it ok.

She could easily NOT have had slaves in a world where everything they're forced to do can be accomplished with magic. But no, she CHOSE for there to be slaves and then endorse slavery by making the slaves "want it"

It may be my childhood innocence talking, but I never took it as malicious writing

Definitely you missing it at first, yes. Which is understandable for a child. You should know better than to defend it now, though.

Maybe unconscious stereotyping. But it was the 90s, she didn't know better

That's bullshit. She had full control of an entire magical world and CHOSE to inject unchallenged and lampshaded bigotry into it.

Whether the 1990s or the fucking 1890s, it's her job to know better and do better.

But all in all now she is a shit human being