I agree with all that except with the use of the term "institutional racism" to refer to something that is unintentional. "Unintentional institutional racism" is an oxymoron. If it's unintentional it cannot be racism. Real institutional racism was made illegal by the civil rights act.
Now, I could agree with you that there is unfairness, disadvantaging, stereotyping built into many institutions. That doesn't make it racist. But it's not benign either, and those are things that need to change. And I agree with you that critical social justice is making things worse. We had come along way in race relations and desegregating society in a way that people agree with. But SJWs want to regress back to an era of racial superiority and segregation, except with the hierarchy flipped. We were at a time when race mattered less than any other time in our history, to progress socially to a state where the race of a person doesn't predict anything about their future. That's a WAY better world than the SJWs propose.
This is merely a spring board towards other agendas for these morons. Floyd cracked the ice and all of this madness came bubbling up. Yes it has been brewing for a long time with the SJW's and this was a perfect crisis to manipulate.