Nah....this is giving white people wayyyyy too much credit.
Most of them live paycheck to paycheck and think short term (big trucks, McMansions, nice vacations etc.)
Black people spend too much time overvaluing white people and assuming they do things "right." Any advantages they have come from money that's passed down and simply having more $$$ to play with..getting paid more to do the same work and getting job opportunities others don't get that pay more money.
The American economy is designed to keep all people except the wealthy, in wage slavery. IRS doesn't even try to go after rich people anymore.
Black folks...we gotta stop believing this pathological bullshyt like we're inherently flawed and the white man has all the answers. We can improve and do better but it's not by following the white man's "example" because most of them are nk better than us.
The net worth difference? That's entirely from the values of their homes and their homes are worth more because we live in a majority white country and whites only want to live around each other. Their home value gets inflated. Increase the number of Blacks in that neighborhood by 20% and the price drops even if nothing else changes.