You are asserting that there are more such stressors in the black community, something I will agree with. That's why there are more dropouts! It doesn't mean the average dropout is under more stress at the time they drop out, though.
Let's go back to this post you made.
Let's suppose that for both blacks and whites, they begin to think of dropping out when their factors are >=N. For EXAMPLE (notice this is an EXAMPLE), if N is 2.7, then at the time both blacks and whites will have 3, 4, 5, or ... factors. It depends on the person and situation but they may have had a major life change so that they went from 2 factors to 5. Since blacks do have more factors (your concession), on average they may jump a little bit more from 2 to 4 than whites jump from 2 to 4. Further down the line if a white person and a black person are both prevented from dropping out, then a year later there is a bigger probability that the black person will again need prevention but not the white person. This all follows reasonably from blacks having a higher proportion of dropouts than whites (i.e. THE OP). So, yes, you'd expect blacks to have more factors and as such if you were to address the root causes, you'd be spending more money on blacks than on whites per person (most likely).
All this is to say that if you have a real race blind policy that is there to address root causes of issues, you may indeed be spending more money per black than per white--that is, you may meet the criteria of Option2. You just didn't intend to do so as it was an indirect consequence of going after root causes of problems.