Root fungus?

you are bang on buddy saprophytic fungi this one in particular is not actully that harmful. it eats dead and plant matter and turns it into nutrients for your plants though on the flip side it can make the medium dry out much faster and if left too long it will probably lock all the water out the medium if you leafve this you will likley see mushrooms grow or toadstools as a result. you can remove it yourself but be sure to cover your hands and face this is a fungai and the spores will spreadd if you allow them too. i would advise watering less a more airated pot and or better ventilation. you can sprinkle cinonmin on the top of your soil to stop spores spreading and your right again buddy hydrogen peroxide is probably your best route to kill the spores :) best of luck buddy hope this helps