I'm not complicit. I've never been in a position of authority over hiring or loans, etc... nor have I ever treated anybody differently for their skin colour. Racism is about intent and your definition expands it well beyond what figures like MLK understood it to be.
MLK named "the white moderate, who is more devoted to 'order' than to justice" as "the great stumbling block in [the] stride toward justice." I'm not expanding a thing.
That's still incorrect. I'm happy for there to be disruptions in order to get justice. What I don't agree with is that I'm somehow complicit for society's problems be virtue of being born into it. Or would you be prepared to charge your children with that burden too?
To do anything else is evil.