Black families are 300 years behind white families for a reason. Gov't policies that lifted white families out of poverty and created generational wealth (the homestead act, GI bills, etc) were off limits to blacks. Choosing to live solo and owning a car are not responsible for the gap. Also, Indians are allowed to come here on high level visas, they ain't starting from the bottom, and Asians are not a homogenous, high achieving group like the media would have us think. I come from a city with a large, POOR Asian community (Vietnamese and Cambodian) that struggles with the same issues as poor black communities (gangs, drugs, etc).
If we look at black folks in poverty, they are living with cousins, aunts, parents, grandparents, etc.
For middle class folks, there's a difference between living with people to save money and pay off debt, and living with people cuz you're a bum. I personally (LHCF may think differently) had no issue dating a man with roommates in DC, the ones I dated were saving for houses (one is closing on a house now). We also have to add to the mix that our economic opportunities are based on geography, so while I'd love to live with family for a year, my family doesn't live where the high paying jobs are in my career. If I stayed home in my town in Cali, I'd probably have a couple kids and a decent job in the school district with a mediocre wage, but one that made no impact on kids lives.
Also, because of economic and racial segregation: for many whites, well-to-do Asians, and Indians, living at home means living in good neighborhoods, but that's not necessarily the case for black folks.