In a structural context, I think you could argue than anyone who participates in existing institutions which propagate these differences in opportunity/resources is “racist”. Of course, this definition makes it extremely hard to avoid being racist- even by accident. This is how I (perhaps generously) interpret “white people are inherently racist”.
Because many people are born into these institutions, judging someone’s character based on this version of racism is misguided imo. Instead, we must all try to be aware of the effects of our institutions and how our participation affects them.
Curious if you’d disagree?