>Basically, if you're benefiting unfairly from a system since birth, you've started off with negative points. You owe the world something to balance off what you've gotten "for free" (really, at others' cost).
Which is basically saying that no matter what you do, since you are white, your actions are of less value, and you should do more to achieve the same "points" as others. Which I would say is actually quite a racist view, but hey, no one cares about racism against whites, because that's just impossible.
Of course, I doubt that you in any way intended that interpretation, but am merely stating what the reaction is based on.
Your money analogy is a bit better, although I do not agree with the stance that white people (or wealthy, or any other group for that matter) somehow "owe" the public anything more than anyone else, simply because of their birth. That though, is entirely my personal opinion though.