Every system is racist because every system is human and humans are flawed. Credit scores include systemic racism and banks making calls based on their gut is direct practiced racism. Systemic racism is much easier to slowly over time work out as long as you recognize it. But the only way to stop direct racism is to take at least some of the power away from individuals.
The systemic racism like the structural one in the argument can only be gotten rid of if you entirely removed the concepts of loans. The problem with that is it is impossible. The majority of the folks who have attempted to outlaw usury and loans entirely are not really looked back upon fondly in a historical sense.
Every system is racist because every system is human and humans are flawed. Credit scores include systemic racism and banks making calls based on their gut is direct practiced racism. Systemic racism is much easier to slowly over time work out as long as you recognize it. But the only way to stop direct racism is to take at least some of the power away from individuals.
The systemic racism like the structural one in the argument can only be gotten rid of if you entirely removed the concepts of loans. The problem with that is it is impossible. The majority of the folks who have attempted to outlaw usury and loans entirely are not really looked back upon fondly in a historical sense.