Historically the government segregated races using laws. This is described in the book “The Color of Law: A Forgotten History of How Our Government Segregated American”, by Richard Rothstein. Here he details “redlining” practices. Today, segregation is illegal under the law, but done through economic means. Specifically, (where I live in the San Francisco area) housing in good school districts is expensive, while in bad school districts is relatively cheaper. This is a modern form of economic ‘redlining’. No one is thinking ‘systemic racism’ when discussing segregation due to housing prices or school districts. It is a socio-economic problem, not one of racial discrimination. Yet this is the primary cause of ‘systemic racism’ in the U.S. . So today, the problem is not so much about ‘race’ but wealth inequality. A possible solution would be for the government (HUD) to give out more housing loans to African American communities to fix this historic wealth imbalance.

The point being, using specific terms like segregation and wealth imbalance are more useful in solving the problem than saying ‘systemic racism’. No one likes to think of themselves or their community as racist.