Because we did harm to African Americans and Native Americans as groups, so the remedy has to be to them as groups.
I want to leave a fair world to my children, not one filled with hate and systemic racial discrimination.
Agreed. At some point you do have to shrug and say we tried our best and move on with a moral bankruptcy. But we're not really close to that point yet. Bankruptcy comes after you've exhausted extraordinary measures. I would say realistically you need maybe 100 or 150 years of positive effort before you shrug and give up, and we're barely even at 50 yet.
Or we could just dissolve the country every 4 years and start over from scratch if you prefer. I don't see how that could go wrong. :-)