I think you are on the right track to try to develop a better vocabulary about racist attitudes. But it needs to be more nuanced than the Racism/racism distinct

I think you are on the right track to try to develop a better vocabulary about racist attitudes. But it needs to be more nuanced than the Racism/racism distinction you draw. Lets flesh out the pricing algorithm example. Lets say a home security company want to provide per zip code prices. The inputs they use are population density, crime rate, and availability of installers. This will lead to black neighborhoods being charged higher rates (since they statistically have higher crime rates). Even though they have instituted a policy systematically favors one racial group over another I don't think your little racism is the right term because at no point did they consider race. In fact, the world is so backwards that they would have to either purposefully overcharge white people or undercharge black people to not charge the two groups differently. They are literally damned if they do and damned if they don't. Either way they are racist by a legitimate definition of the word. The best solution I can think of is to try and make the world as race blind as possible while trying to improve disadvantaged communities. So we should remove names from the hiring process when people. Yet, your sister has a point, CoC need to develop a culture of education and hard work. Its a tough problem that needs help from everyone.