I'm sure you're a lovely person. I am too. But this is not about individuals in the present. Let me come at this by example. My great grandparents arrived from Germany, got farm land on the cheap, worked their butts off and made a healthy nest egg that got passed down to my grandparents. They, in turn, got more land on the cheap, and then benefitted handsomely from a federal government that assisted them through the depression of the 30s. My parents then went to college on subsidized loans, got public jobs, and built even more wealth bc the banks were nice enough to keep blacks out of the neighborhood. What all this means is that I stand to inherit a pile of money. Now look at my friend Warren, a black guy whose ancestors were just as hard working as mine. But his great grandparents were slaves, and after emancipation they were basically indentured servants. Local sheriff kept them from voting. His father served in WWII, but was prohibited from getting a mortgage. More after the jump.