You're missing the point man.
At least when someone was racist or discriminated before it was apparent.
Now, people like to think like you do. People love to say that racism is dead, and that blacks are less discriminated against, and that society is more about class than it is race.
It's just not true.
When you're more likely to be poor, more likely to be arrested, more likely to be sentenced to jail as a juvenile, more likely to be denied parole, etc, etc, etc, just because you're black, well, it still exists.
Institutional discrimination is far worse than individual discrimination because people who don't examine the cause/effect of policies and statistics will just assume that discrimination is not occurring.
When that happens, people actually start to believe that blacks commit crime at a rate 3x more than whites. (What really happens is that they're arrested 3x more than whites. UCR data (most used crime data source for police) is based on arrests. It differs highly from victimization surveys and from self-reporting. )
When people justify the belief that blacks commit more crime, or are less intelligent or any other stereotype by using data generated by a system that is inherently institutionally discriminatory, well then you really see how fucked it is.