It’s a model and, like all models, is an oversimplification of reality focusing upon a certain or small range of parameters.
If you read the article, it would answer most of your questions. IMO, CRT is mostly an attempt to identify the causal factors of racism in America. As all intelligent people know, one has to know there is a problem before solutions can be found.
CRT, as the link pointed out, discusses how past racist practices influence the present. As a student of history, I agree since all of our past influences the present. Understanding that point is good. Solutions are more difficult. One thing I’ll never agree with is “reparations”, at least not using tax payer dollars just to hand out checks.
As we’re seeing today, stimulus checks are having a negative effect (albeit the data remains to be fully analyzed) in minimum wage workers not returning to work just yet. Our nation saw a similar problem during the Great Recession when Obama extended unemployment benefits.
Better, IMO, is to fix the actual problems such as education. 92% of education is funded locally with only 8% Federal. Poor counties, it doesn’t matter if it’s an inner city or an Appalachian shithole, have poor schools. “Reparations” should be to communities, such as schools, not to individuals like checks or free college.
Since health and education are national security issues, it’s in our nation’s best interests to fix that up to a point. Efforts have been made, but all have flaws, mostly due to the toxic environment in Washington DC for the past 25 years.