Thanks for reading and sharing your thoughts.
It sounds like you believe only enslavers benefited from slavery, which is not the case. All white people weren't enslavers, but all white people did benefit from the system that extracted free labor from Black Americans.
In other words, you may not be the bank, but you are still a shareholder. You still got paid dividends of someone else's work.
If you really want to understand this better, I suggest reading the 1619 project. If you just want to argue, it's $1 per word going forward.