Socioeconomic status and race are a whole lot more complicated than "minorities need to work harder", which is what "personal failings" typically translates to. Entrenched poverty and the effects of legalized second-class citizenship don't simply disappear in 60-70 years.
I had a few African American roommates years ago. They would espouse beliefs that the slave trade is the reason they were in the position they were in financially. They were all enrolled in college, did not work and everything was paid for by their parents. I was washing dishes and going hungry. Now I own a house and was told by one of them it was due to my 'white privilege'. It's utter bullshit. Poverty is the problem, racism is the smokescreen the powerful hide behind while they run off with all the money.
If poverty is the problem to be solved, where do you believe the poverty problem comes from? Why is the concept of racism a smokescreen? I can't say that I've seen many people decrying the legacy of institutionalized racism making millions off of that rhetoric. Do you have particular examples in mind?
While the income distribution may be screwed, in part, because "politicians are bought too easily by corporations", how one could deny that institutionalized racism in the past has lingering effects on socioeconomic status for members of particular races into the present day is beyond me. You are pointing out real issues, but none of these issues mean that racism doesn't (or didn't) exist.
EDIT: Also, where are those people that make millions off of the discussion of racism? (Do you perhaps have Al Sharpton or Jesse Jackson in mind?) Even if there are some small number of people whose brand personally benefits from discussing racism, their existence does not erase the socioeconomic disparity between races (today) that stems, in part, from institutionalized racism of the past.
I think it's folly to talk of #BLM as a cohesive movement, and paint a hashtag's actions with a broad stroke as you have, but saying that "human lives matter" is leaving things at the status quo. And as I've been pointing out all along, the status quo is impacted by the legacy of historical (and on-going) racism. It's not clear to me that we can expect all races to get a fair shake now in a "human lives matter" world, when merely 50 years ago unfair shakes based on race were codified into American law.
Unless you can give reasons why you think "personal failings" or 'false-flag racism' (as you've described your neighbors or roommates) are greater contributions than past actual, systemic racism to generational poverty, I can't say that I have much more to discuss.
0 : https://en.wikipedia.org/wiki/Redlining
1 : http://www.consumerfinance.gov/newsroom/cfpb-and-doj-order-h...
I would agree that things like redlining and discretionary funding appropriations are still an issue worth discussing today.