I too love discussing race issues from the comfort of the hypotheticals I made up inside my head.

"Yes, a white supremacist walking into a black neighborhood to terrorize them is just like that asshole manager that I had who gave me extra work. Both of them were individually racist."

The whole structural vs interpersonal racism distinction gets very muddy once you realize that they both are always present together. You just end up tone policing for racists or in endless circlejerk.