You're assuming that systematic racism is the problem.
And you've presented that wealth argument before--the reality is most people inherit nothing meaningful. What they do get is the attitudes that come along with wealth.
No. I'm sorry, I am going to need you to point out where I said systemic racism is THE problem here in this post.
I have pointed to A problem. That problem I pointed to IS systemic racism. Definitionally, in fact. I have pointedly and explicitly impugned "lack of financial resources in a group of heritage" as a systemic element as a driver of continuing racial disparities.
The reality is that my parents are still alive. I have inherited nothing. And yet I still had access to a lawyer when I got a disorderly conduct charge (and so avoided jail and possibly prison for telecom fraud!). And yet I still had a place with food and free housing once I got bounced from the army for being gay. And yet I still had access to money for college. When I had my hernia surgery, I had no money in the bank to cover immediate expenses, until I got a small no-interest loan from, you guessed it, my parents.
When my husband had his laptop die, I was able to put out a collection with my friends and family; whole we got the repair for free, I had a whole new laptop in funds pledged, across two families.
I can only assume my experience is part and parcel with an average "apparent cis white male".
Of course this is not counting the thousands of dollars or the car I got from my grandpa when he passed.
If I was not a cis white male, I probably wouldn't have had internet or educational access to commit the telecom fraud but assuming I did, I would have been going to state prison.
I never would have had a cheap car in my early 20's to be chauffeured in (lol, I don't drive!), Nor would I have had the money needed to actually attain even the shoddy financial literacy I hold.
Now again you can deny it all you want but I had these things because my parents had money. And when they die, I will have a half million dollar home in a quiet suburb next to an amazing school district.
One thing that few black kids have is parents with money.
That's systemic.