The idea of "systemic racism," as the term is commonly used, basically means: "any system within which Blacks/POC do badly is racist."

The problem with this idea is that such under-performance can actually mean any of four different things:

(2) (a) Contemporary subtle racism causes the problem (usually what's claimed); (b) the financial legacy of PAST racism causes it; (c) negative CULTURAL patterns due partly to past racism cause it; and (d) cultural/situational variables unrelated to racism (age, region) cause it.

(3) Much confusion here is caused by the fact virtually no non-radical citizens thought of the last 2-3 of these things as "racism" until ~5 years ago. "D" and probably "c" vary among WHITE groups, who display about a 400% range in recent US incomes... https://en.wikipedia.org/wiki/List_of_ethnic_groups_in_the_United_States_by_household_income.