Between 1934 and 1962 the U.S government handed out billions of dollars in home loans. But those weren't available to anyone black, a system eventually referred to as redlining, which would ensure that only whites could get out of poverty and find ways to wealth. In the U.S., that's what caused the development of ghettos. People of colour were not able to invest in housing that could then be passed on down through generations, forming the sort of wealth that many white people have.
-Anita Arvast
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