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re: Why do libs harp on instititutional racism?
Posted on 8/14/19 at 12:11 pm to Zach
Posted on 8/14/19 at 12:11 pm to Zach
quote:Applying this, even if you think it's applied logically, is institutional racism. Being black does not make a person more likely to default on loans.
Blacks with identical incomes to whites are twice as likely to default on loans. So, they are a greater risk.
This post was edited on 8/14/19 at 12:12 pm
4
Posted on 8/14/19 at 12:14 pm to xiv
quote:
Applying this, even if logically, is institutional racism.
Then a teen who is a safe driver is a victim of institutional ageism.
A man who got drafted during Vietnam was a victim of institutional sexism.
Posted on 8/14/19 at 12:14 pm to xiv
So you would agree that charging men more for car insurance is sexist.
Posted on 8/14/19 at 1:21 pm to xiv
quote:
Applying this, even if you think it's applied logically, is institutional racism. Being black does not make a person more likely to default on loans.
quote:
Institutional racism is far worse than the two examples you've given, of course.
The party of science once again turning their backs on facts, data, patterns, and trends because muh fee fees is huwt.
But you have no problem looking at a hockey stick shaped graph of CO2 levels and temps and screaming "look at the pattern! we're doomed! the science is settled!"
selective scientist
Posted on 8/14/19 at 4:06 pm to xiv
quote:I must disagreequote:Applying this, even if you think it's applied logically, is institutional racism. Being black does not make a person more likely to default on loans.
Blacks with identical incomes to whites are twice as likely to default on loans. So, they are a greater risk.
Not all racial disparity constitutes “racism.”
Credit risk evaluations are a numbers game.
If the data show that left-handed Scotsmen default at a higher rate, there is nothing “racist” in charging a higher rate of interest to left handed-Scotsmen. Replacing “left-handed Scotsmen” with “Blacks” does not change that objective business decision.
There is no question that “institutional racism” has existed in the past (e.g. redlining or the FHA treatment of Black farmers), and it may well still exist somewhere today ... but this is simply not it.
This post was edited on 8/14/19 at 4:17 pm
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