Here is my question Alawen: suppose what you are saying is true. Why has no one founded "Black & Latino Bank of America" to profit from this inefficiency? They could run ads that specifically appeal to minorities about how the white patriarchy is fucking them and immediately get all of their business. And if they offered a 1% premium instead of a 3% premium they would still be significantly more profitable than their white counterparts selling to white home owners.
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