As for the rest of your contrived argument, you are clearly incapable of recognizing the fact that businesses don't give a shit about skin color. Businesses (especially large ones like banks) care about one thing, and one thing only: making money. Not giving out loans to people who lack collateral is a smart business decision, regardless of the skin color of the applicant. I have no idea what you're talking about with neighborhoods being "carved out" as if some guiding hand is controlling where black people live. Giving subprime home loans to people who are high risky was an evil, evil thing that banks did, but they did it to make money, not to screw over black people. Again with gentrification you're talking about
poor people being displaced. The fact that the poor people happen to be black (or some other minority) is unlikely to be a motivating factor. It's about businesses coming in to
make money. Are you seeing a fucking pattern yet?