You've clearly made up your mind and preemptively called everybody who disagrees racist. That's not exactly conductive for an insightful conversation.
But I'll bite anyway: historical racism clearly still plays a significant role. Whatever the level of present-day racism, I'm sure we can agree that it's orders of magnitude lower than it was historical. The plight of people of colour today can be attributed to historical widespread institutional racism independently of whether any such racism exists today. Also, your model fails to account for the possibility that racism can exist and be harmful without being widespread, and that people of colour can make bad decisions without that being a "property" of their colour (shaming people for "acting white" strikes me as particular counterproductive).
That's not saying that's the whole explanation (or even that it is the explanation), just that your model ("it's not them and it's not us") is a false dichotomy and generally too limited to be likely to yield a satisfactory answer.
If you don't believe in widespread racism, what is your explanation for why people of color, as a group, keep having a bad time?
Why does it need a different explanation then why many people of the white persuasion keep having a bad time? When you selectively group people together, you will always get an identifiable pattern. But you can't then claim that the pattern is universal, since the pattern was predefined in your selection.
That's a really good question. I guess I want to collect as many explanations as possible. I am interested in making society better, so I want to have thousands and thousands of explanations for every little bit of violence. So I can make decisions that undermine them when I have the chance. If I don't have the explanations its hard to understand what's happening and how to react.
I also collect explanations for why there is so much violence against white people. I think a lot about violence against men lately. But that doesn't stop me from thinking there are some instances of violence that are best explained as violence against women.
The previous and continuing actions of bad people but not "you" as a collective, just the racist ones. (I'm mixed race, not that it should make my point any more/less valid).
It can't be some property of them, because believing that would be racist, right? If it's not them and it's not us (I'm white) then what is it?