Every policy you can create will have differential impact on any group you create. The question is, was the policy created with the intent of racism.
And this is for policies in the abstract. Debt is an incredibly dangerous tool. It is not charity to give someone a loan they cannot afford - I've personally experienced it and I've personally seen it destroy lives. When I see someone get denied for a loan or a mortgage in my circle of friends - in every case, that was a good thing. It would have killed them.
And this is for policies in the abstract. Debt is an incredibly dangerous tool. It is not charity to give someone a loan they cannot afford - I've personally experienced it and I've personally seen it destroy lives. When I see someone get denied for a loan or a mortgage in my circle of friends - in every case, that was a good thing. It would have killed them.