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Let's say that 5 generations ago, your great-great-great grandfather had a farm. It was highly productive and had a great location.
Let's say that my great-great-great grandfather went to the local government and paid bribes and maybe did some light killing and stole that farm. No matter who your g-g-g grandfather talked to, they all pointed to the new deed and told him to suck eggs. Your g-g-g grandfather fell into despair and poverty. His children grew up poor but also worked hard and climbed up the wealth ladder a little. So too did their children, and so on, until your generation. Let's say you're lower middle class or so. No generational wealth to speak of but not in poverty.
Meanwhile my family has developed that farmland, partitioned it and sold or leased pieces of it for business and industry. We have phenomenal generational wealth all built on that initial theft of land.
But hey, you never had land stolen directly from you, and I never directly stole the land. Everyone in the area knows exactly what happened. Everyone in the area knows that my generational wealth is built on theft. Nowadays everyone talks openly about it, including me.
Now, from the outside looking in, I say that the absolutely morally right thing to do is restore the ownership of the land to the descendants of the person who owned it. But from the inside, the living descendants of the thief say hey, WE didn't steal the land. We just benefit every day from the original theft. Why should we do anything to make amends for that theft, which we don't dispute but don't want to be accountable for either.
Okay, and how about the millions of other people whose ancestors never did or had any of that? Of the families that benefitted, some of them are still rich and powerful, those are the ones that should be looked at, not some Joe Blow whose lineage has always been lower/middle-class, working for a living like everyone else.
I do genealogy and so I know that my g-g-g-grandfather had to give up farm labouring during the first decades of the British Empire and move to the Bermondsey slums, where he worked as a tanner. If you know anything about historical tanning, you know that this sucked. He was screwed over by the infiux of cheap food from the Empire and our family is part of the underclass to this day.
The thing is, we still live in a rich country because of that. My parents and grandparents and their parents did. We've still had access to education and free healthcare and all that shit. We still had access to all that cheap shit that we robbed the rest of the world for.
So yeah, we owe those people's descendents like it or not. Plus, considering that yes, we were repaying the descendants of slaveowners until just a few years ago, and paying off our Marshall Plan debts etc until very recently, I'm not too fussed if the government of my country pays its debts.