It seems the height of cognitive dissonance (and intellectual laziness) to me to argue that systemic racism doesn't exist, and to pawn off that disparities exist due to education or socioeconomic status. The obvious follow-up question would be, where do those differences in education/socioeconomic status/etc come from?
A) Could it be from the fact that (among many others), as recently as when my parents were born, segregation was legal? One generation above me. Those people are still alive and voting. Do we really think racism disappeared in less than one lifetime?
B) Inherent cultural/genetic differences? Careful here, I'm not sure saying "blacks are poorer and less educated because they are lazier and don't value education" really helps your argument that you're not racist.
I think one of the problems we're running into on this board is that we (and the country for the most part) are making this dichotomous label. You're either racist, or you're not racist. And we've at least come far enough to know that being called a racist is bad, so we go through a lot of mental gymnastics to convince ourselves and others that we're not racist, which does nothing to address the problem. It puts people on the defensive and they just intellectually shut down.
It seems to me that it's more useful to view racism (or bias, or whatever you want to call preference for people who look/act like you and disdain for those who don't) as a scale. Say, 1 to 10. Like any good population model, I assume the distribution resembles a bell curve. Most of us are between 3 and 7. I think the important thing is to be self-aware enough to know where you are on the scale (recognize your own biases) and move yourself as far to the left as possible. Nobody's going to move all the way to the left, and that's OK. Many biases are subconscious, and you can't fix what you don't identify as a problem. Other things are just so ingrained from 30, 40, 50, 60 years of life experiences, that no matter how hard you work, you're not going to make them go away.
Again, to reiterate. When my parents were born, a sizable portion of this country couldn't even drink from the same water fountains because they were deemed inferior. Are we leaps and bounds ahead of where we were then? For sure. Have we eradicated hundreds of years of inequality in one lifetime? Absolutely not.