I can always tell when someone is pitching horse hockey when the word :systemic" is used in a non-medical context. Systems don't act. Systems don't make decisions. People act and make decisions to discriminate based upon race. I would like the names of some financial institutions that refuse to give loans to black people by virtue of their skin color and evidence you have of this bias. The fact that blacks are less likely to get loans is not prima facie evidence of bias, which you probably recognize at some level. Let's see some evidence.