As I said I disagree. I think that's a relatively factor that is not nearly so important as the common discourse would lead you to believe. When you look at other peoples who have historically suffered racism, when you look at those in generational poverty, it just seems like there are too many counter examples for it to be an overwhelming factor.
I've never seen strong evidence or really good theories that fit the facts about this which aren't just pages of handwaving and waffling and speculation (or worse, veiled threats that you are a racist if you disagree with the theory).
What I think is that in fact it is a great tool for use by some unscrupulous people because it means they never have to actually be held to account for any of their policies or legislation or agenda. None of it is measurable. Somehow people have us convinced that they and only they are able to fix racism or improve the lot of disadvantaged minorities... without ever having to show a single scrap of evidence or results. Anything that goes wrong for them can be blamed on others who are racist, and any questioning of their methods or policies makes you a racist. They actually have an extremely strong incentive to never fix these problems at all.
That's why I prefer my theory. It fits reality and explains motives a lot better in my opinion.
Hopefully everyone here is grown up enough that I don't need to add the usual wall of disclaimers (racism existed and exists and people suffer from it, my theory is about social scale effects and not any person's individual experience, etc.).