They're so many: being able to get a home loan (redlining), not being killed by police even when you have a gun, having access to generational wealth, being promoted and included in instutions of power and wealth that are run by white people, having family or friends being able to get you high paying jobs because they and their parents were similarily employed, seeing images of people that look like you portrayed as the hero/savior/good guy in media, living in school districts that ate better funded, not having people target or attack you for your skin color, not having laws that were created to incarcerate you (war on drugs, the numerous new Jim crow laws) etc.

And I see that your question implies a confusion: a white person needs to do nothing to participate in racism. By being white, going with the flow means receiving the benefit of these insutions. A white person could never act in a racially discriminatory way and still receive benefit.

White people need to actively dismantle the system that is racism so that it no longer benefits them. (This is the only ethical path forward.) And if white people are scared that they'll be treated the same way that they treated non white people, then they should ensure that the dismantling doesn't prop up a new oppressive system.