This is the problem with processing our world down racial lines. You're trying to correct for a historical injustice. The fact that race factors into the circumstance of why people are where they are right now doesn't change the fact that those variables lead to recidivism. It's not racist. It's accurate.

If you want to fix the problem, then you need to fix the underlying issues, which tend to be economic. Those economic issues stem from an issue that affects all races, and therefore splitting it across racial lines only serves to reduce the possibility of actual change.

All you're doing when you try to account for historical injustice is slapping a band-aid on a deeper issue.

(Edit: Grammar)

In your example, it could be argued that a person who isn't cheating can keep collecting rent on their properties (however "unfair" that might seem) - i.e. the (un)fairness of the current situation (and the degree to which we try to "fix" it) depends on the path used to get there.

In the "inner city kid" example, it doesn't matter how people got there - either due to historical injustices / racism (i.e. "cheating" by the rest of society) or simply because their parents were drunks or criminals or poor or whatever - so, again, race doesn't and shouldn't matter, and helping poor inner city black kids in preference to poor inner city white kids is racism, no other way of putting it.

Fundamentally there's nothing wrong with this. The somewhat harsh truth is that 'systemic bias' is actually just... statistics. There are a lot of minority criminals. It's not that there's something special about these people that makes them criminals - it's the same thing that makes everybody turn to crime: lack of opportunity, low capacity for upward mobility, limited access to education, and so on. We act as if the information is not accurate, and that this is a result of racism, but the cold truth is that if you were to take a white person and a black person and only look at the likelihood of criminal behavior, the black person is going to come out on top of that. It's just the math.

Where the human element comes in is where we decide what to do about that math. Do we blame the race? Do we utilize these models to preemptively police people on the basis of race? The answer obviously, should be no. That said, our model can give us insights into this. We can take this data and go, 'well we know that it's unlikely that race is the major causal factor here, so what else can we look at?'

This is a much deeper issue, and 'structural racism' is a really bad way to look at it, because it forces you to focus on the racial elements, even if they're not relevant. It's asking for a model that is not representative of reality, because it looks ugly, rather than looking at it for what it is - just data - and figuring out what to do with that data.