re: Why do libs harp on instititutional racism?

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I would be fine with giving $40k to anyone who can prove that they were directly harmed by a governmental policy or government backed loan on a racial basis. If they have received over $100k in other governmental aid or subsidies, then I think they’re probably ahead.

In theory.

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The one part you leave out is how much harder it is for a 70 year old to prove direct harm than it was for a Japanese-American to simply point to their name on a list. (Again, perhaps somewhat ironically, I do not think the JAs should have received reparations.) And this is through no fault of their own. Nearly the entire black lower middle class in the 40s, 50s and 60s was intentionally excluded from the benefits of government-supported home ownership. And this is before we even get into things like Social Security and GI Bill exclusion.

What paperwork or "proof" exactly would meet your standard for a black sharecropper from Mississippi who suffered a dishonest landlord and the constant over-hanging threat of county-and-state-supported racial exclusion and violence, decided to risk everything by fleeing north, and then having been intentionally denied access to mortgage credit despite having a good job and being a good citizen?