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Here's a way to think of it:
If I steal all of your money and invest it to grow over time then I'll end up with even more money while you don't benefit from the growth that should have been yours. Now we have children and pass on our wealth. You pass on less because it was stolen, and I pass on more because of what I stole. This multiplies over the generations and a disparity is maintained. My offspring will have better educations and better opportunities because of the wealth they had access to, and yours will have fewer opportunities because you don't have the money to spend on them.
The goal of reparations is to attempt to correct some of this disparity. It tries to provide opportunities for people who don't have it but would have if something in the past weren't stolen.
For an example that's easy to see: In the US, black people are less likely to know how to swim. This has nothing to do with them being black, but what opportunities they had access to. This is for many reasons. One part of it is that most places had community pools, but they had restrictions for people of color. When this was outlawed, they instead just closed the pools or added memberships that required payment.
People also built up wealth over time through property, but black people were prevented from getting loans to buy property except in redlined places. This prevented them from building up generational wealth like white people were allowed to do. (This is ignoring the whole slavery thing...) It causes ripples through time where their children have less opportunities, which then causes their children to have fewer, and so on.
This is also why affirmative hiring and admission isn't "racist against white people" as people see it as. It's actually leveling the playing field.
Before implementing things like affirmative action or reparations, do any of us have any idea in mind for when reparations will be done making things "fair"? Or is the intent to have it go on forever? I've never heard this argument before and I've never heard of anyone having a set date for the end of affirmative action and the like, so it sounds like a slippery slope to future discrimination. This is probably what at least some of the "racist against white people" (and asian people) crowd are complaining about. I know I would be miffed if I lost an academic or career position to an objectively lower quality candidate due to something like government mandated diversity, regardless of how much I support civil rights. Obviously, ideally, everyone should have equal access to these opportunities and no one should be unable to get the education they want but that isn't the kind of world we live in (at least in the USA).
Also, why can't there be other ways to level the playing field in terms of environment, such as funding better schooling or housing for disparaged individuals, regardless of race? Despite black people having to fight an uphill battle in life, these things that uplift across the board without racial or ethnic discrimination would naturally end up helping them out more than others before leveling out as equality is achieved. The only problem, as always, is the bureaucracy involved.