[BobbyJo]

If you define any amount of discrimination as a failure to provide an appropriate professional service, then, mathematically, any amount of racism will become 'systemic' or 'institutional' so long as there is an uneven population distribution:

Let's say there are 3 groups. One group is 60% of the population, another is 30%, and the last is 10%. If all three groups have the exact same predisposition to favoring members over outsiders, the 60% group will experience prejudice from 40% of the population. The 10% population will experience it from 90% of the population. The 10% group will experience >10X the incidence of prejudice unless group favoritism is <= 0, which is literally impossible.

If that's what you mean when you say systemic/institutional, it feels like a completely useless thought to me. I, and I think many other people, hear 'systemic', and think 'coming from processes, rules, or procedures defined as part of a system', not from the people operating it. To make a better analogy, when I hear systemic car problem, I think the engine, transmission, or some other component of the car, not the driver.