If your family was denied a mortgage in the 1930s, or the 1950s, or the 1970s, then you may not have the family wealth or down payment help to become a homeowner today.
I wouldn’t negate your point about the importance of personal choices.
Aaron Ross Coleman
154

This is a ridiculous point to make by the author, and it reeks of someone who is enmeshed in class privilege and old money.

I bought a house without a penny from familial sources. I’ve known several people who have done so, and there’s a great, bias free program to do this with — the VA loan. It didn’t matter that my father was an immigrant or that my mothers family were, in effect, a bunch of criminals.

And beyond the VA, there’s other federal programs, such as HUD loans that make down payments much more manageable. Sure, if you’re buying in an expensive area like San Francisco, then you’ll need family money. But that’s hardly a black only problem.

I fully recognize that there are biases present in the criminal justice system, from police who will stop someone for being black in the wrong area to judges who will take more sympathy on a white girl than they will on a black man. Those exist and they are awful.

However, it’s a series of choices that get people to being there. Blacks in America do not have a monopoly on racial injustice. Yet, it seems to me, they uniquely seek a government solution to the problem. That’s never going to work. Government cannot effect top down social change, it cannot force instead of a minority being born out of wedlock a majority. It can lay the ground, it can go after the explicitly awful institutions that exist and have existed.

Racism didn’t cause the young man to steal the gun, it didn’t cause the two men who died in the prior day to be killed. It didn’t cause Milwaukee county Sheriff David Clarke to be elected, a black man who is outspoken about the community issues.

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