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That's not a reparations issue, it's an unfuck the cities that were fucked by Robert Moses and his buddies as well as funding public schools better, making hospitals public instead of privately owned, and changing the punitive justice system to a proper rehabilitation justice system.
Otherwise you'll just see short term happiness and provide arguments for "we're equal now, we paid reparations! What else do you want?"
I'd say both are required, and also reparations should never end. The rich should be taxed for their advantages and exploitation and money should be used to help raise poor people up. The problem can never be fixed. There will always be advantaged and disadvantaged people and exploiters and exploited people. Implying it should be a one time payment for a one time thing I think is missing what is trying to be solved.