1\ BofA was started by Italian immigrants, who figured out that by *discriminating* between Northern and Southern Italians (whom US lenders couldn't tell apart), they could lend to the good Northern credits
2\ Thus, the one-time biggest bank in the world succeeded because they figured out how to make finer and finer distinctions between individuals, which had a "disparate impact" on Southern Italians
But the alternative was no loans for any Italian immigrants. It was a win!
3\ Thanks to the Civil Rights Acts, "disparate impacts" are now illegal. E.g. a company asking about criminal history will incur the ire of the EEOC, because of the disparate impact on blacks
So a rational company just pulls out of black areas, leaving deserving blacks worse off
Government is always happy to take up the banner of a new religion. It has been on every single side of the Gender & Sports issue, except the principled side of "not our business":
1\ It's odd: the collective kabuki dance in which we all pretend to be fragile and afraid of giving or taking offense
Meanwhile, we thrill to the Hollywood trope of "comfortable American place": the black barbershop, the construction site, the police precinct locker room