There is no systemic racism in the US.
The concept is basically that if you pressed a button and magically all of the racists in the world disappeared, the system would continue to be racist only for its laws and policies.
I disagree on two counts. 1) Your definition of systemic racism is rational, and the CRT-types are not operating under a rational world view. Their definition is different than your definition. They argue from postmodern critical theory perspective, and use inequity as evidence. In other words, if you magically remove all racists, and magically remove all government too, then any inequity is evidence of the truth that life is just one big power struggle and if whites are doing better than blacks, the "systemic" racism still exists - even without a government. The system would just be the whiteness of the nation, or some such bull shirt. 2) Under your entirely rational definition, since the left is now injecting CRT (i.e. real racism - race essentialism) into politics, policy, and law, it's "systemic" under your definition.