None of what is recommended addresses a wealth chasm between #ados Blacks and whites. You don’t need small scale pilot programs. You need a massive reparative justice program that 1) is for American Descendants of Slavery 2) recognizes the trillions that need to be repaid.
https://twitter.com/berubea1/status/1613252522382135298
These ideas are detached from the economic collapse in #ados Black America. Only 21% of Black Americans even have above a 700 FICO. What do you think that it is for working age #ados taking out boomers and Black immigrants 5-10% break 700? Really POC commercial property programs. 
They are just writing anything how is this different than saying create a time machine and stop slavery or let’s just start with $20 million to the family from Bruce Beach on property worth $240 million. Look at this ex. for commercial property that says $10 million in revenue.
Again we may be in a world where only 5 - 10 percent of working age #ados have above a 700 FICO when you remove retirees. Which is a below average score for cars and credit cards. And these families may also have little to no savings & be in line for not a dollar of inheritance.
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