Your whole argument is a strawman. "I didn't grow up a millionaire" doesn't mean that your life would have been the same had you been black, all else equal.
Take a step back and don't be so defensive: "white privilege" isn't a personal attack. It's only meant to raise awareness, awareness that you clearly need, based on your post.
Take a step back and don't be so defensive: "white privilege" isn't a personal attack. It's only meant to raise awareness, awareness that you clearly need, based on your post.