I know it's lazy to just link to a Wikipedia article on the subject, but I'm going to anyway, because I'm too lazy to address all the things in your post when you can do your own research.

https://en.wikipedia.org/wiki/Institutional_racism

The fact is, the occasional inconvenience on whites in America (as a convenient example) from occasional pockets of bigoted blacks is fundamentally different from the regular impact on blacks from the institutionalized racist tendencies in society.