Zita Vass wants to know why she -- and presumably other white women -- can't say the n-word during live concerts ... and she's got quite an argument on why it should be kosher.

The Guess model posted a series of videos on her social media account this weekend ... and it was all about this hot-button issue -- namely, folks who aren't Black needing to censor themselves when it comes to singing or rapping the n-word, especially at live shows.

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Zita says she's sick of doing that ... and thinks she oughta have a pass in live music settings.

She goes on to argue that African-Americans use the word as a term of endearment -- and insists she has no ill will in her heart if she were to use it in repeating back song lyrics ... going on to say she resents the notion that doing so would make her racist in some circles.

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Zita also asks why the term is only exclusive to Black people ... and openly wonders why it's taboo for non-Black people to say it. She distinguishes between wanting to use the n-word generally and using it for musical purposes -- noting she only wants to do the latter.

Of course, she's catching some backlash -- with lots of people flooding her comment section to let her know why it's not okay ... explaining points that have been litigated ad nauseam.

Her IG caption for this is a little eyebrow-raising too, FWIW ... she writes, "THE N WORD - Warning #controversial #africanamericans."

Zita's post is still up as of this writing.