You'd need to mitigate the reparations paid by also calculating the generational loss of wealth over the same period by "unaffected" citizens.

What reparations should be paid for is for red lining, as that is a problem that is arguably still ongoing and which has impacts on today's generational wealth recently enough to not have been reduced by the average loss of wealth over generational entropy, not to mention the parallel to the original promise of reparations "40 acres and a mule", not sure how many urban black families would be looking forward to having basically a horse to now take care of but the value of land they were denied access to is deffo something that american black families would be greatly advanced by.