Well yeah, people are allowed to decide who gets their stuff when they die. So what?
Well, I have lots of opinions on this matter, but the one most topical is this: if you have a time, 50 years ago when redlining was legal, and a time 100 years ago when murder was tolerated and even encouraged in the form of lynching, and 150 years ago when slavery was legal, that is a lot of time to build up a pretty substantial reservoir of unearned, unfair, unjustified advantage. And if you have a system that allows those ill-gotten gains to legally be transferred people living in the present even though the means used to accumulate that wealth is no longer legal… well, you’ve got a problem.
There is no single solution to this problem. However, we are living with the consequences of not solving it.