You may not realize this but in epistemological approaches to relating with complexity, the simpler your model, the better it is. If we do not have any clear proof of anything, then individual observation/perception that is repeated across many people is supreme, until something else better dislodges it.
I do not believe “ethnicity and culture are reliable drivers” of criminality, I believe culture is, at least on a societal level. Of course, culture is related to ethnicity but it would be bigoted for you or anyone to assume all ethnic members share the same culture.
Yes, a white man would be well within his common sense to pass me over for a job if he believes I come from a culture of fraud. This, of course, makes things harder for me were I looking for a job in a white-dominated field. But this is no different from a woman refusing to be in a car alone with strange men - this of course makes life slightly more difficult for her and for the men who desire to interact with her, but you cannot fault this woman for adhering to the wisdom of the crowd or her observations/experiences. In the social sciences, stereotypes famously have robust evidence for holding true.
In other words, the difficulty is not caused by the stereotype but by the culture that created actions that made the stereotype.
To further address the point, this situation creates asymmetrical advantages for me as an individual as it forces me to be exceptional in my work and the white man who would employ me would discover an exceptional talent where he otherwise might not. See Arsenal gaining asymmetrical advantages over the rest of English football by employing foreigners.
Lastly, economic conditions are co-relational because bad cultures generally don’t create prosperous societies. In the same way that criminals are generally less intelligent than diligent peers in the same population pool. You can’t change a bad culture by artificially making it richer. The best you can do is provide an obvious alternative while accepting that criminality may continue even within the given alternatives.
Your rhetorical “consensus” is bullshit that you accepted without challenging because it’s well known that even when you control for wealth, cultures generally associated with more criminality still commit more crimes.
To top it off, I’m Black. My observation of reality is complex because I do not live within constraints of the guilt culture that Westerners live in and have no problems chasing the truth to its inevitable conclusion. Calling my perspective racist only shows that you operate in a narrow, black-and-white ideological prison. You have no right to even use that word against others irrespective of your skin colour because you have been poisoned in your mind by guilt culture.
The only “help” that ethnic minorities may need is neutrality, fairness and an all-of-society approach to reforming bad culture & integrating it. Of course, this requires defining what good culture is. But I’m pretty sure it’s not Islamic nor white-guilt-adjacent.