(Kinda wish you weren't AC, but I'll answer anyway.)
I think there's a little truth in both views. There were a lot of [black] people and businesses in Tulsa that used to be quite well-off prior to The Tulsa Race Riot which did more damage in two days than Jim Crow ever could. Those areas are pretty much welfare neighborhoods now, rife with payday-loans and people dependent upon the government (Which I consider to be the final nail in the coffin.) What was lost (or stolen, depending on whom you ask) cannot be valued, and the effects on later generations isn't limited to that community - it takes away from everyone. Education is nil, as one more likely to end up with a criminal record than a degree (Oklahoma blacks and hispanics have a 64% graduation rate.) And state policy ensures those effects are still heading in the wrong direction.
As for families, yes - [modern] black culture glorifies all of the wrong things which tends to lead to lots of children without [responsible] fathers. But it's inaccurate to say that's the norm everywhere. IMO, poverty and marriage simply don't mix. Two working parents can break the poverty-line, but then (in today's economic/political climate) you'll have staganation. Making too much money to qualify for (genuinely needed) help, while not making enough to make ends meet can easily destroy any family. Of the ones that stay together - Many of their children do quite well in school, and do graduate. But cannot possibly afford college. And, without stable households capable of acquiring even modest wealth, even student loans for some *really*good*kids* are totally out-of-the-question. Ensuring yet another generation of lightly-educated people, with no access to education, mentorship, or even a trade. ...and all of the limitations thereof. (For that reason, I'm actually against the idea that "college is the solution to all problems" that has been ingrained into the minds of all black parents. You can work in many fields, including IT, without a degree. It's debt-free, and if you work hard at what you do, it's upwardly mobile. More-so if you have the aptitude.)
I don't buy into the "victim mentality" at all. I determine my own future. But I'm not alone or ashamed in the fact that I, my parents, grandparents, have to overcome significant obstacles to establish *somewhat* equal footing *starting* with my generation. Most Americans [black, white, whatever] don't seem to understand that the real damage from overt racism isn't "he's [not us], so I won't hire him or serve him food", it was "those [not us] people should never acquire education & wealth, lest they become a threat" which resulted in many calculated (and often violent) actions taken with the intent to deny wealth. Combine that history with welfare and you have a never ending cycle of: ...Poverty - the gift that keeps on giving.