Michael Eric Dyson is the latest person to try to sell the unpopular idea of race reparations, but he puts a creative spin on it. See Michael Eric Dyson Calls for Whites to Have an I.R.A. – ‘Individual Reparations Account’.
He's not actually talking about a managed account into which deposits are made and from which money is withdrawn for causes benefiting black individuals. But that wouldn't be a bad idea. There would always be conflicts about who should get the money, but anything that would improve inner city schools would seem to be a worthy cause.
This managed type IRAs would be voluntary, so that those people with sufficient black guilt could contribute as much as they wanted. Maybe they could receive recyclable grocery bags, bumper stickers, or some other token so that their fellow citizens could be made aware that they've assuaged their guilt with generosity.
But to be fair, there should be strings attached. For example, if a white owned store is trashed during a Black Lives Matter riot then the store owners would be made whole from that fund.
After all the natural tendency to want to help one another has its limits. If they feel they are being used, then forget it.