You will always have racist cops and neighbors and teachers. That is not systemic.

If the system does not prevent, stop, or punish the racist constituent actors (cops, neighbors, teachers), is it not racist? Is it not systemic racism to not stop individual acts of racism, especially when they're performed by agents of the state (e.g., cops, lawmakers, judges, teachers)? Just because it's not a top-down demand by the state of "you, agent of the state, must act racist" does not mean it's not systemic racism.

That is just shitty people.

There is no such thing as a system as such. It's just people. If the members are racist, and their collective doesn't do anything to address (or even occasionally rewards) that behavior, the system is racist.