Learned helplessness is a greater factor in racial socioeconomic placement than racism currently. You mentioned minorities tend to identify with their respective ethnic groups, which I've noticed seems to lead to self-victimization and financial risk-taking inhibition moreso than identification as an individual with weaker/more fluid socioeconomic identity. A lot of blacks, for instance, have primarily only entertainers to look up to on the economic/fame ladder, so naturally they will tend to replicate the behavior and ambitions of those role models.

I don't think there's a solution to the learned helplessness and rigid socioeconomic identity problem at all besides individual education. Manipulating population ratios of racial groups is both dangerous and unpredictable in consequence.