It's also not our fault, infar as we didn't literally pull any triggers. We're probably still complicit to some degree, however, by our general lack of support for reparation actions.
However, now that the US exists, it does a lot of good for many, many people. As a first generation immigrant, I'm glad that I was able to come here, as I think conditions are much better than my country of origin.
That being said, am I complicit in everything bad that has happened here simply because I'm living here now? What amount of reparations are appropriate for me to give, considering neither I nor my ancestors likely had any involvement with any of those things.
Can any amount of money even make up for what happened?
It's insane. The Native American example was just the first one that came to my mind that demonstrates that the "average" American of today does indeed benefit from atrocities committed hundreds of years ago.
Though I don't think it's a boolean, "Well you did it, you made up for the damage your ancestors caused" situation, but more of a, "Well now we are better equipped than we were before to handle the fallout of the damage your ancestors caused". And it's not just money (though money does fund everything), there's a lot more that the US government could be doing for the Native American people. Am I a bad person for not doing more? No. Could I probably do a bit more to help? Yeah.