I can't refute your experience, which is horrible (

sorry, eh) but I simply DO NOT BELIEVE you are being confronted like that
"very often" anywhere in Canada. There's certainly bigotry amongst us toward one another from many directions ("Left-coasters", Albertans, the 416/905, Newfies, Quebekkers) to name a few. I find it interesting that this thread began as a discussion of cultural diversity which is ubiquitous in Canada and generally respected and celebrated. It doesn't matter here what colour you are or where you came from but where you now live can put you in the cross-hairs.
ETA: Now that I'm re-reading it, I'm also super-curious about why a random mean Canadian woman would have had a $100 UDS to accost you with but I digress...