“Systemic racism” can be a difficult concept to grasp, largely because “racism” is commonly understood as an exclusively individual and intentional affair. Thus, most Americans begin with an idea of racism as personal prejudice toward those of different skin color and then are left imagining how this intentional prejudice can somehow become a property of systems, institutions, or social structures. In the end, many are left believing systemic racism is a grand conspiracy of racist individuals, or an ethos which pervades a society, or a set of explicit laws and basic assumptions hidden somewhere deep in the books.
Others, alternatively, tend think of systemic racism as any policy, whether state or private, which leads to or preserves racial disparity. This is a contender, to my lights, as the racial distribution of harm and/or advantage should certainly be recognized as a measure of a policy’s success. But is, for example, every fee hike or price increase a racist act?