As in...how have you personally failed? Is it your fault that you were born with what you describe as "privilege"? Is being born into a family that has money wrong?
Of course it isn't. What a ludicrous question. Birth is not a matter of fault. No matter what cast/race/religion you belong to, or how wealthy your parents are.
Yes, that's a good question. And while you have no control over where or whom you're born to, you do have control over your action or inaction.
For me, I primarily give to charities that deal with the inequities that I benefit from on a daily basis. And in this country, since my right to protest is curtailed by way of being an immigrant, I try to do other things, like volunteering.
~Jeordam
Being white doesn't make you inherently racist. It does make you previlaged. How you deal with your previlage, whether you acknowledge it or not, whether you use it to fight or prop the structures that give you that previlage, that determines whether you're racist or not.
There is no assumption that if you're white you are racist. But I'd you're white, enjoy the fruits of that previlage, deny that previlage exists, and fight against those who want to erode the gap in advantage, then yes, you'd be racist.