Where does white American guilt end and black American responsibility begin?

At what point is the white american guilt of the past assuaged, paid for in full, and the responsibility of today’s black population taken up as a banner? When a child of an immigrant (latino, black, caucasion, asian) can move through the ranks and become wealthy, why are there millions of blacks in America who bemoan that the system is not fair? Is it because they are told they can not succeed by their parents and political leaders or because there is an injustice inherent in the system?